by Ed Hinerman | May 4, 2009 | Banner Life, breast cancer, cancer, diabetes, family history, heart disease, Independent agent, insurance, life insurance, stroke
When I do an on the phone interview with a potential life insurance client I ask a series of medical questions that help me to decide the appropriate rate classification to quote. Part of the application process, whether it is done with your agent or with the examiner...
by Ed Hinerman | May 4, 2009 | A1c, American Diabetes Association, diabetes, Independent agent, insurance, life insurance, Type 2 diabetes
It’s been several months since there was any major movement on the life insurance underwriting scene for those with type 2 diabetes, but a major company today shattered that trend by announcing that are willing to approve at preferred plus rates within certain...
by Ed Hinerman | May 4, 2009 | Banner Life, heart attack, incontestability, insurance, life insurance, melanoma, term insurance
Continuing on with a series of posts I started last week on life insurance applications I would like to discuss the necessary (by law) and often misunderstood Authorization to Obtain Information or HIPAA authorization form. HIPAA, the Health Insurance Portability and...
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