by Ed Hinerman | May 22, 2020 | life insurance, life insurance approval, prostate cancer, PSA
This post was first written September 2014, critical updates made May 2020 The Case For Prostate Cancer Active Surveillance There is no question that with today’s medical knowledge and technology, the idea of keeping an eye on a slow growing, low stage and grade...
by Ed Hinerman | Oct 29, 2013 | HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval, prostate cancer, PSA
Prostate cancer has been one of the easier cancers for life insurance underwriting for a long time, but the criteria for those low stage and grade cases has been expanded to areas not seen before. In recent weeks I’ve been all over this forum about breakthroughs...
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 | Jan 29, 2013 | approval, cancer, decline, insurance, life insurance, life insurance approval, prostate cancer, PSA
Turning a declined life insurance application into an approval is usually not that hard. It’s how I make a living. But I have to admit that turning a decline from Allstate into a preferred plus approval through one of my companies is kind of like laying down a...
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 | 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 | 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 | Dec 27, 2011 | insurance, life insurance, prostate cancer, PSA
Prostate cancer, we’ve all heard at one time or another, is something that virtually every man will have at some point in his life. While only one in five or so of us guys will ever be diagnosed with prostate cancer, the other four, according to theory and...
by Ed Hinerman | Oct 10, 2011 | business life insurance, insurance, key man insurance, life insurance, over 50 life insurance, prostate cancer
I have, over the years, made it quite clear that there are distinct advantages to buying life insurance when you are young and healthy. It’s not that over 50 life insurance suddenly becomes horribly difficult to obtain. for most of us it is just more expensive...
by Ed Hinerman | Sep 23, 2011 | cancer, foreign nationals, insurance, life insurance, prostate cancer
I’ve talked before about Pan American Life Insurance and the fact that they will underwrite foreign nationals, mostly from Central and South America and the Caribbean. The only caveat is that they have to travel to Florida to complete the application and exam....
by Ed Hinerman | Dec 2, 2010 | cancer, insurance, life insurance, prostate cancer
When you have survived cancer and are past the scare and past the treatment, for a lot of people it’s a time to reflect on what just happened and, for many, how they were lacking in the life insurance department. There are some basic guidelines that will help...
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