by Ed Hinerman | May 7, 2020 | ADHD, clinical underwriting, life insurance
This post was originally written October 2017, rewritten and added to May 2020 Is USAA Really Working Hard For You? I was reminded that morning three years ago just how wrong a life insurance company can be on mood disorder underwriting. I am well aware, having gone...
by Ed Hinerman | Feb 3, 2018 | business life insurance, CEO life insurance, clinical underwriting, Hep C Cure, HIV business life insurance, insurance, life insurance, life insurance approval, Type 1 diabetes
To say that the nature, the underwriting and the life insurance products have changed and changed remarkably over the last 10 years is an understatement. There is the old world of life insurance and now we are really, truly living in a new world and customers, both...
by Ed Hinerman | Feb 16, 2017 | approval, clinical underwriting, hepatitis, impaired risk life insurance, insurance, life insurance
I don’t know what more life insurance companies could want than a level playing field and a chance to compete for their fair share of the business, but no joke, there are some that trip and fall on a level playing field. I just worked on a case that, while not...
by Ed Hinerman | Oct 19, 2016 | application process, approval, cigar smokers, clinical underwriting, height and weight, insurance, life insurance, 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 31, 2016 | appropriate life insurance recommendation, approval, clinical underwriting, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
Over the years I’ve talked about the 1% of life insurance companies that actually address both issues that matter the most to clients, approval and price. Being the grandiose kind of guy I am I was thinking about this in the context of a universe of companies,...
by Ed Hinerman | Jul 26, 2016 | angioplasty, approval, attending physician statement, bypass surgery, clinical underwriting, coronary artery disease (CAD), family history, heart attack, heart disease, insurance, life insurance
Coming off a post just a few days ago where I beat the compliance drum into a lather because that is what life insurance underwriters want to see, I turn around and shop a case where all of the underwriters fly in the very face of what they said and what I repeated. I...
by Ed Hinerman | Jul 21, 2016 | clinical underwriting, Depression, impaired risk life insurance, insurance, life insurance, major depressive disorder, mood disorder life insurance
Not that long ago I wrote a post about how some companies are just missing too much good, easy, clean, actuarially sound life insurance business because they are writing the impairment and not the person. It’s like we’ve heard people say in every...
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