by Ed Hinerman | Oct 19, 2016 | application process, approval, cigar smokers, clinical underwriting, height and weight, insurance, life insurance, melanoma, mood disorder life insurance, prostate cancer, Prudential
I’ve mentioned probably more often than I’ve needed to that I shop even some of the simplest cases, probably every case that isn’t a slam dunk, no health issue, preferred plus. This makes sense for me and my clients because my clients will know ahead...
by Ed Hinerman | Jul 27, 2016 | cigar smokers, customer service, family history, insurance, life insurance, tobacco use change, underwriting change
There is good news and bad news for me and my life insurance clients. The good news is that there are a few constants that we can hold fast to and take to the bank year after year in life insurance underwriting. It seems that those that qualify for the best rate class...
by Ed Hinerman | Jan 16, 2014 | approval, cigar smokers, e-cigarette life insurance, insurance, life insurance, life insurance approval, smoking
There is probably no worse platform to jump off of than answering the first page question on a life insurance application about whether you use tobacco or nicotine products, if you do. While I’ll get to some exceptions to the rule in a minute, with almost...
by Ed Hinerman | Nov 23, 2011 | blood pressure, cigar smokers, high blood pressure, hypertension, insurance, life insurance, smoking
I know I go through some weeks sure that all life insurance underwriters are kind of mechanical. They look at the records and the labs and look in their underwriting guide and stamp the appropriate approval on it and then on to the next. No emotions. Just the facts...
by Ed Hinerman | Jun 18, 2009 | cigar smokers, insurance, life insurance
I will post this very quietly so as not to wake the life insurance underwriters who would likely leap on an article like this to do away with the great non smoking rates that cigar smoking applicants are getting right now. By the way, I haven’t seen this...
by Ed Hinerman | Mar 26, 2009 | cigar smokers, Independent agent, insurance, life insurance, mortality, mortality risk, smoking
Well, if the last post didn’t hit on anything else important, everyone should at least know that smoking cigarettes can change your life expectancy, and not in a happy way. If you do smoke cigarettes and need life insurance, let me be very clear about this. You...
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