by Ed Hinerman | Mar 7, 2014 | Biggest Loser, BMI, build, doctor's recommendation, gastric bypass, impaired risk life insurance, insurance, life insurance, life insurance approval
As life insurance companies have turned in the direction of more conservative underwriting of build (height, weight, bmi), the last 10 years has seen them really embrace weight loss surgery for the morbidly obese. That sure wasn’t always the case with gastric...
by Ed Hinerman | Sep 13, 2013 | BMI, impaired risk life insurance, insurance, lab results, life insurance, life insurance approval, mortality, mortality risk
Not long ago I went on a tear about American General’s use of the CRL Lab’s proprietary laboratory analyzing methodology called “Smart Score”. The blasting cap for that little tiff was a case that American General declined, obviously using the Smart Score numbers to...
by Ed Hinerman | Aug 14, 2013 | A1c, approval, BMI, impaired risk life insurance, insurance, life insurance, life insurance approval, mortality, mortality risk
As related in a post yesterday which was a follow up on a previous post concerning the American General use of the CRL Labs Smart Score methodology for underwriting, I have breaking developments. After being rebuffed by CRL, being told that they couldn’t tell me...
by Ed Hinerman | Jun 6, 2013 | application process, approval, BMI, final expense life insurance, guaranteed issue life insurance, impaired risk life insurance, insurance, life insurance, life insurance approval, no exam
Allow me to blow right by all of the internet clutter of $12 a month for $500,000 of life insurance. There is no question that those are low rates even though they are enticing unknowing young clients with prices for 10 year term insurance, a completely inappropriate...
by Ed Hinerman | Dec 7, 2012 | BMI, build, height and weight, life insurance, life insurance approval, obesity
Prudential has long been our go to company for those whose weight just wouldn’t garner an approval from any other companies. It wasn’t preferred plus life insurance rates for overweight people, but it was an approval and it was the only place to find one in so...
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