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 | Apr 17, 2012 | breast cancer, cancer, insurance, life insurance, prostate cancer
There have been some dramatic breakthroughs in life insurance underwriting over the past few months, a lot of it having to do with cancer life insurance underwriting. Just as these breakthroughs started there are now more rumors of companies following suit, or...
by Ed Hinerman | Mar 30, 2012 | Attention Deficit Disorder, bipolar disorder, cancer, coronary artery disease (CAD), cpap, impaired risk life insurance, insurance, life insurance, melanoma, over 50 life insurance
It’s barely been a month since one of our highest rated carriers announced huge breakthroughs on cancer life insurance underwriting. With some cancers they did away with the one year waiting period post treatment, instead opting for a more aggressive approval...
by Ed Hinerman | Mar 30, 2012 | cancer, children's life insurance, impaired risk life insurance, insurance, life insurance, mortality, Type 1 diabetes
Being primarily a health risk life insurance agent I get to talk to a lot of people about diseases and problems they didn’t have even just a few years prior. Especially guys have this bombproof thing going on where they truly believe as long as they work hard...
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 | Feb 4, 2012 | breast cancer, cancer, insurance, life insurance, over 50 life insurance, prostate cancer, PSA
One of the brightest gems in the new cancer life insurance underwriting that was unveiled this week is the possibility to get all the way back to preferred rates with the right cancer, the right outcome and, of course, the right agent and the right company. For as...
by Ed Hinerman | Feb 1, 2012 | breast cancer, cancer, insurance, life insurance, prostate cancer
When I was young growing up in Wyoming I remember being talked into a cow tipping trip one evening. I don’t know if this goes on everywhere, but in Wyoming adults really like to jack with kids by having them attempt urban, or in our case, country legends....
by Ed Hinerman | Jan 30, 2012 | breast cancer, cancer, insurance, life insurance, prostate cancer
I recklessly went out on a limb yesterday spreading a rumor that a major, well know A+ rated life insurance company was jumping on all of the cancer detection and treatment victories of the last several years and have changed their underwriting guidelines and...
by Ed Hinerman | Jan 29, 2012 | breast cancer, cancer, insurance, life insurance, over 50 life insurance, prostate cancer
I hate jumping into a life insurance topic like this without all the facts but, heck, that’s why they call them rumors. Historically one of the toughest parts of underwriting has been, especially for cancer, the insistence of a one year waiting period post...
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 | Jan 6, 2012 | A1c, bipolar disorder, cancer, heart disease, insurance, life insurance
It would interesting to understand the psychology of an average life insurance agent. I know that there are plenty of truly lazy agents out there who, it appears, have a template that your life insurance application needs to fit into. If it doesn’t fit they...
by Ed Hinerman | Dec 7, 2011 | business life insurance, buy/sell life insurance, cancer, Foreign National Life Insurance, foreign nationals, Infinite banking, insurance, life insurance, whole life
Big giant disclaimer. We have found several highly rated US life insurance companies that will write foreign nationals living in the US and foreign nationals living outside the US. I have kept this fairly low key until I worked through a few cases, one in Jamaica, one...
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 | Oct 22, 2011 | cancer, executives, insurance, life insurance, Lloyds of London, professional athletes
Let me start by saying that I am no expert on what Lloyds can do or even how they pull it all off, but I now have the connections to take a Lloyds insurance situation and get it in place in a timely manner. What I’ve found is that, as much as I would like to...
by Ed Hinerman | Oct 1, 2011 | blood pressure, bypass surgery, cancer, insurance, life insurance
Allow me one more time to bemoan the good old days when US Financial Life Insurance was still roaming the earth. They doled out good news in life insurance underwriting in their short life span than any other company around. It was called clinical underwriting. Just...
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