by Ed Hinerman | Jul 18, 2016 | basal cell carcinoma, cancer, insurance, life insurance, melanoma, skin cancer life insurance, squamous cell carcinoma
Skin cancer is almost exclusively caused by exposure of UV light, darn you summer, I try to hit on the subject of life insurance and the big three, melanoma, squamous cell carcinoma of the skin and basal cell carcinoma at least once a summer. If those of us who grew...
by Ed Hinerman | Jul 24, 2015 | approval, basal cell carcinoma, family history, Independent agent, insurance, insurance quotes, life insurance, life insurance approval, life insurance underwriting, melanoma, mortality risk, squamous cell carcinoma
Call me naive, but there are almost daily occurrences of me seeing less mortality risk in a life insurance underwriting situation than the majority of underwriters. I get that they are paid to see everything through conservative lenses, but there are times when, to...
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 | Jun 30, 2012 | basal cell carcinoma, cancer, insurance, life insurance, life insurance approval, melanoma, squamous cell carcinoma
With the majority of skin cancer being basal cell carcinoma and squamous cell carcinoma, both almost underwriting non issues unless there have been multiple instances, the challenge lies mostly under the melanoma heading. As I’ve stated with so many other types...
by Ed Hinerman | Jan 28, 2012 | basal cell carcinoma, cancer, decline, insurance, life insurance, melanoma
I got a call yesterday from a woman who had just been declined for a new life insurance because she had two melanomas in the last 11 years. After the second melanoma she decided she was a little more mortal than she had originally figured and wanted to increase her...
by Ed Hinerman | Nov 17, 2011 | basal cell carcinoma, cancer, insurance, life insurance, melanoma
Talk about a health issue that’s been around the block several times and every time something new pops up. Skin cancer is it! We’ve seen great strides in underwriting melanoma with a recent approval at standard plus rates just four months out from...
by Ed Hinerman | Aug 11, 2011 | basal cell carcinoma, insurance, life insurance, melanoma, squamous cell carcinoma
What a summer, huh? I heard on the news the other day that somewhere in Oklahoma had set a new all time record high for any state over a full month. We’re talking hotter than Arizona!! I’m pretty blessed to live at 7000′ in Colorado where yesterday...
by Ed Hinerman | May 26, 2011 | basal cell carcinoma, insurance, life insurance, melanoma, squamous cell carcinoma
There is no lack of bad advice and lame life insurance underwriting when it comes to any of the three types of skin cancer, basal cell carcinoma, squamous cell carcinoma and malignant melanoma. At the core of the confusion seems to be multiple instances of anything....
by Ed Hinerman | Mar 23, 2011 | basal cell carcinoma, insurance, life insurance, melanoma
I love to golf. There are very few things that carry that same feeling as a well hit drive or sinking a long putt (or for me not missing a short one), but when we can get a case approved at better than standard rates for someone with a history of melanoma, well,...
by Ed Hinerman | Jan 15, 2010 | basal cell carcinoma, cancer, insurance, life insurance
Some years ago the life insurance underwriting world went into a tizzy because a study had come out insinuating that a person who had multiple basal cell carcinomas, a truly non lethal skin cancer, had a higher chance of having a melanoma, a truly lethal form of skin...
by Ed Hinerman | Jun 23, 2009 | basal cell carcinoma, insurance, life insurance, melanoma, squamous cell carcinoma
There is skin cancer, the most common cancer in the United States with over one million cases annually. Not to trivialize, but most of those cases are basal cell or squamous cell carcinoma and are generally easily and successfully treated. It is the third in the trio...
by Ed Hinerman | May 12, 2009 | basal cell carcinoma, cancer, cholesterol, insurance, life insurance, mortality, mortality risk
Very few weeks slip by that I don’t take the opportunity to drive home the life insurance consequences of not following through with a doctor’s recommendation for a test or a follow up visit. These may seem like small things, but in the world of...
by Ed Hinerman | Apr 24, 2009 | basal cell carcinoma, bipolar, bipolar disorder, blood pressure, decline, diabetes, high blood pressure, insurance, life insurance, obesity, Sleep apnea
Compliance and control! I haven’t beat that drum in a while, but that doesn’t change the fact that those two issues are the major underwriting issues in almost all life insurance applications where health is less than perfect. I have used that soapbox most...
by Ed Hinerman | Feb 17, 2009 | basal cell carcinoma, blood pressure, cancer, cholesterol, diabetes, DUI, insurance, life insurance, private pilots, scuba diving, skydiving, smoking
I’m often asked, after the fact, what it takes to get the best life insurance rates. While I would be hard pressed to cover everything that could be hiding in your medical records, I can provide a general rundown based on the exam, labs, family and personal...
by Ed Hinerman | Dec 26, 2008 | basal cell carcinoma, bipolar disorder, blood pressure, diabetes, high blood pressure, melanoma, Type 1 diabetes, Type 2 diabetes
Considering the turmoil of the economic meltdown that was 2008, it’s always good to find and hold onto bright spots. Here is just a quick review of a few of those bright spots coming from a most unlikely source, life insurance underwriters. For years there has...
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