by Ed Hinerman | Sep 26, 2013 | approval, cancer, impaired risk life insurance, insurance, life insurance, life insurance approval, prostate cancer
I’m working on a prostate cancer life insurance case right now that really begs the question, even though the biopsy showed cancer, 13 years of watchful waiting later, is everyone sure that biopsy was accurate? Was it correct? Since the cancer was only seen in...
by Ed Hinerman | Aug 26, 2013 | approval, cancer, decline, insurance, life insurance, prostate cancer, PSA
All of us guys, and women who are into reading about men’s health, have heard that men are for more likely to die with prostate cancer than from it. So what does that really mean? 1 out of 6 men will be detected with prostate cancer in their lifetime. Most of...
by Ed Hinerman | Oct 30, 2012 | breast cancer, cancer, insurance, life insurance, mortality risk, no lapse guarantee, prostate cancer, rate increase, term insurance, universal life
There’s still two more months to go and by any measure the life insurance industry has made strides in both underwriting and product design that speak well for the future, but especially should be an eye opener right now. I’ve tried to note each change or...
by Ed Hinerman | Sep 25, 2012 | approval, family history, insurance, insurance quotes, life insurance, life insurance approval, prostate cancer, reconsideration
Life insurance company reconsiderations are thrown about the industry like the success of them is common place and they are for all intents and purposes, a shoe in. The kind of reconsideration I’m talking about is when a smoker becomes a non smoker, someone with...
by Ed Hinerman | Sep 6, 2012 | insurance, insurance quotes, life insurance, life insurance approval, prostate cancer, PSA
I had mentioned in a post not too long ago about a new test that might negate the need for invasive biopsies when men have a high or elevating PSA. A recent Reuters article kind of hit the nail on the head when it comes to the reliability of the PSA as an indicator of...
by Ed Hinerman | Aug 2, 2012 | basal cell carcinoma, breast cancer, cancer, insurance, life insurance, life insurance approval, melanoma, prostate cancer, squamous cell carcinoma
OK. I made it up just to get your attention. No, seriously. Companies are just blowing me away with the offers and approvals they are giving on low stage and grade cancers. In this case I have a company approving a policy at preferred 3 months after a melanoma was...
by Ed Hinerman | Jul 28, 2012 | breast cancer, cancer, insurance, life insurance, life insurance approval, melanoma, prostate cancer
This last year has been full of life insurance underwriting break throughs from major companies, especially in the area of cancer. In previous posts I’ve talked about the logic of this being tied to earlier detection and much better treatment options than have...
by Ed Hinerman | Jun 28, 2012 | cancer, insurance, life insurance, prostate cancer, PSA
A real show stopper in the life insurance application process is when a PSA comes back high, or at least elevated compared to previous PSA’s. This has turned into something of a fussing point since, in most cases, life insurance underwriters will postpone an...
by Ed Hinerman | May 30, 2012 | cancer, insurance, insurance quotes, life insurance, prostate cancer, PSA
Either life insurance underwriters aren’t buying into what researchers and doctors are saying about the PSA, prostate specific antigen test, or in the case of one underwriter she’s just believing what he wants to believe to get through this case and not...
by Ed Hinerman | May 23, 2012 | abnormal ekg, insurance, life insurance, prostate cancer, PSA
This is one of those days that makes me think about the “Men are from Mars and Women are from Venus” line of thinking. Little did they know when that was written that they would give the planet with water to men!! It could easily be changed to...
by Ed Hinerman | May 17, 2012 | heart attack, Independent agent, insurance, life insurance, prostate cancer, PSA
When a life insurance agent presents something to a life insurance customer as a fact, customers generally believe it to be a fact and make their future plans accordingly. The believe life insurance agents are honest and knowledgeable and depend on their advice and...
by Ed Hinerman | Apr 18, 2012 | cancer, insurance, life insurance, prostate cancer
In some cases life insurance underwriting just hangs out and doesn’t change much over the years. That has been fairly true of prostate cancer life insurance since I wrote my first post on the subject back in 2007, until the last few months. What follows is an...
by Ed Hinerman | Apr 17, 2012 | breast cancer, cancer, insurance, life insurance, prostate cancer
There have been some dramatic breakthroughs in life insurance underwriting over the past few months, a lot of it having to do with cancer life insurance underwriting. Just as these breakthroughs started there are now more rumors of companies following suit, or...
by Ed Hinerman | Feb 14, 2012 | cancer, insurance, life insurance, over 50 life insurance, prostate cancer, PSA
The dreaded elevated PSA! Life insurance underwriters treat a PSA out of the normal 0-4.0 range or a PSA that is higher than your last PSA with the life insurance equivalent of shutting all the hatches on a sinking ship. Even though there are no less than half a dozen...
by Ed Hinerman | Feb 1, 2012 | breast cancer, cancer, insurance, life insurance, prostate cancer
When I was young growing up in Wyoming I remember being talked into a cow tipping trip one evening. I don’t know if this goes on everywhere, but in Wyoming adults really like to jack with kids by having them attempt urban, or in our case, country legends....
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