by Ed Hinerman | Dec 4, 2010 | A1c, bypass surgery, cholesterol, decline, insurance, life insurance
I suppose there are a few people who apply and know for a fact that they will be declined life insurance coverage. I’ve actually had calls from people who were in the hospital having just undergone heart bypass surgery. They asked about getting life insurance,...
by Ed Hinerman | Oct 28, 2010 | diabetes, insurance, life insurance
I’ve had health change surprises come out of nowhere before. I can still remember 30 years ago seeing the doctor for some innocuous thing and he did a blood workup. The result was a diagnosis of Raynauds disease. I was in my late 20’s and felt pretty good....
by Ed Hinerman | Aug 21, 2010 | insurance, life insurance, liver functions
Liver function tests have been the nemesis of life insurance underwriting for as long as I’ve been in the business and the source of a tremendous number of unfair ratings and declines on applications. Because of a long held leap of assumption that elevated liver...
by Ed Hinerman | Oct 29, 2008 | decline, hepatitis, Independent agent, insurance, life insurance, liver functions
Well, no…..or maybe yes……it all really depends. I hope this information has been helpful. Seriously though, underwriting of Hepatitis C really comes down to a few key factors. First, is the disease in remission and second, how much damage has the...
by Ed Hinerman | Jun 11, 2008 | cancer, coronary artery disease (CAD), decline, diabetes, hepatitis, Independent agent, insurance, life insurance, prostate cancer
When you apply for life insurance it is not a given that you will get what you want or what you believe you deserve. By far the majority of policies are approved with no surprises. A smaller percentage are approved but at a different rate. And a small percentage are...
by Ed Hinerman | May 28, 2008 | Anxiety, bipolar disorder, Depression, diabetes, heart attack, heart disease, hepatitis, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
There must be a couple of million people in the US licensed to sell life insurance. If you take in the giant internet mega agencies, all of the independent agents, and all of the captive agents (work for just one company), the possibilities for purchasing life...
by Ed Hinerman | Aug 9, 2007 | cancer, cholesterol, diabetes, heart disease, hepatitis, high blood pressure, insurance, life insurance, stroke
Barry Bonds now has more home runs than anyone in history. 756!! I tried hitting 50 mph balls in a batting cage one time and hit like one out of twenty or so and it was not home run material. I’m impressed. Some people say he got there with the use of steroids....
by Ed Hinerman | Jul 26, 2007 | diabetes, hepatitis, Independent agent, insurance, life insurance, liver functions
Hep C is the most common chronic blood borne infection in the United States. The insidious nature of the disease is such that often people will not experience symptoms for years, even decades, after they are infected. Life insurance underwriting for Hep C is a careful...
by Ed Hinerman | Mar 20, 2007 | breast cancer, cancer, coronary artery disease (CAD), hepatitis, Independent agent, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, whole life
There is certainly no lack of unjustified respect for some of the biggest names in life insurance in the country. If you’ve seen their name on television or in magazines it kind of sticks with you and you probably, like most folks, assume that big and famous,...
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