by Ed Hinerman | Apr 24, 2020 | cancer, diabetes, heart disease, life insurance, life insurance approval
Were You Denied Life Insurance Because Of A “High Risk” Medical Condition? Being declined for anything just feels wrong, right? Being denied a car loan when you know you can make the payments is kind of a personal affront. I mean the ads on TV are...
by Ed Hinerman | Dec 4, 2019 | cancer, life insurance, life insurance approval
Can you get life insurance after completing cancer treatment? I wish the answer to that question was always yes. Since it’s not, let’s talk about the criteria that need to be met in order to get life insurance after completing cancer treatment. Most...
by Ed Hinerman | Apr 10, 2019 | cancer, impaired risk life insurance, life insurance
I am currently working with a client who was declined by a few other companies and apparently told that with a recent history of breast cancer life insurance approvals just weren’t in the cards. This woman was, for some reason, told by the life insurance agent...
by Ed Hinerman | Mar 27, 2019 | cancer, life insurance
If you or someone you love have been diagnosed with prostate cancer and would like life insurance, there are options to obtain it, especially if it is in low stages. Life insurance for those in active surveillance or watchful waiting stages of prostate cancer, is...
by Ed Hinerman | Mar 13, 2019 | cancer, life insurance
Prostate cancer, and specifically the great changes in life insurance underwriting for prostate cancer, are in the news. Well, at least they’re on my mind and in my blog. That is just one step below the Wall St. Journal and on a good day, like today, one step...
by Ed Hinerman | Nov 1, 2016 | breast cancer, cancer, insurance, life insurance, life insurance approval, melanoma, prostate cancer
Let me start by saying that I’ve got good news and other news when it comes to life insurance underwriting of cancers, whether something simple like early stage and grade melanoma or early stage insitu breast cancer to later stage bladder cancer or colon cancer...
by Ed Hinerman | Oct 13, 2016 | approval, breast cancer, cancer, insurance, life insurance, life insurance approval, prostate cancer
It’s no secret that with most types of cancer life insurance can be something of a hassle, if not impossible, to get even when a large amount of time has passed. When I say most things are sort of tilted in favor of that statement just because there are so many...
by Ed Hinerman | Jul 30, 2016 | application process, cancer, claim, contestability, contestability period, death benefit, grace period, heart attack, incontestability, insurance, life insurance
Part of being in the life insurance business, neck deep as I am, is the fact that sooner or later there are claims. If a life insurance agent sells a lot of products and a few of those are life insurance policies they might retire with only a claim or two to walk...
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 | Sep 15, 2015 | application process, approval, bipolar disorder, breast cancer, cancer, decline, doctor's recommendation, family history, insurance, life insurance, life insurance approval
I am currently shopping for life insurance for a 50 year old nurse who had breast cancer in 2001. She had a lumpectomy and there was “a very small amount of cancer cells” found in one of the sentinel lymph nodes checked. Because of the lymph node she was...
by Ed Hinerman | Jun 24, 2015 | approval, breast cancer, cancer, impaired risk life insurance, insurance, John Hancock, life insurance, life insurance approval, life insurance underwriting, melanoma, prostate cancer, PSA
No, not the real man. He was by all reports a real stand up guy, but unfortunately there isn’t a requirement when a company uses your name that they have to portray the same characteristics. A few years back John Hancock Life Insurance made some bold, but well...
by Ed Hinerman | May 5, 2015 | approval, cancer, decline, insurance, life insurance, life insurance approval, life insurance underwriting, melanoma
I first wrote this post in 2015. Melanoma is the deadliest of skin cancers, but for those who catch it early it is curable. More life insurance companies have opened to the idea of approving policies when clients have low stage melanoma, so time to update. Hope this...
by Ed Hinerman | Mar 30, 2015 | beneficiary, business life insurance, cancer, customer service, incontestability, insurable interest, insurance, life insurance, life insurance claim, life insurance lapse, life insurance second addressee, partnership business life insurance, stroke
This same subject keeps popping up in new forms. I’ve explained in the past how essential it is for unmarried couples or business partners to have a power of attorney to be able to sign a release of medical records for life insurance in the event that the...
by Ed Hinerman | Mar 18, 2015 | application process, approval, business life insurance, cancer, conversion, coronary artery disease (CAD), decline, exclusions, guaranteed level premium, insurance, life insurance, life insurance approval
A client I’m working with is getting a little frustrated because, in order to keep his obligations, he is going to have to convert a current term policy coming to the end of its’ guaranteed level premium period. When I say he is going to have to do this...
by Ed Hinerman | Feb 12, 2015 | application process, approval, business life insurance, cancer, contestability, customer service, death benefit, estate tax attorney, estate taxes, grace period, insurance, life insurance, life insurance lapse, life insurance second addressee, loyal customers, no lapse guarantee
I just got off the phone with a guy who missed the end of the grace period on his $1 million life insurance policy by 3 days. He called and asked for forgiveness and was told that he could fill out a reinstatement application and, if approved, the policy would be...
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