by Ed Hinerman | Aug 8, 2017 | approval, CEO life insurance, compliance, Conversion to a permanent product, guaranteed level premium, HIV business life insurance, HIV life insurance, insurance, life insurance, life insurance approval
Now that’s what I’ve been talking about for years. For every effort and struggle I’ve gone through on behalf of fair life insurance treatment for HIV+ clients, you, the clients, have been the people that have suffered for so long. Unable to provide...
by Ed Hinerman | Nov 21, 2016 | compliance, diabetes, insurance, life insurance, life insurance approval, Type 1 diabetes, Type 2 diabetes
I suppose with that title this post could go about any direction, but what I had in mind was life insurance as affected by type 1 and type 2 diabetes. Both types of diabetes, given optimal age of onset, current age and control as measured by your quarterly A1c...
by Ed Hinerman | Jul 21, 2016 | compliance, cpap, life insurance, Sleep apnea
What happened to me? It used to be that if I went for a half a dozen blog posts without railing on the underwriting and personal health importance of control of your impairment through compliance with your treatment and commitment to change of habits if needed, I was...
by Ed Hinerman | Jan 26, 2016 | ADHD, Anxiety, approval, bipolar disorder, breast cancer, business life insurance, CEO life insurance, compliance, decline, Depression, insurance, life insurance, life insurance approval, physicians life insurance
Now there’s a calming thought. You’re still alive, traumatized from head to toe from a car to moose gathering on the highways of Maine and you’ve made it to the hospital. The doctor and nurse start working and you relax as you know that you are with...
by Ed Hinerman | Oct 5, 2015 | assumptions, bad customer service, compliance, conversion, Conversion to a permanent product, death benefit, guarantee, honesty, insurance, lapse, life insurance, no lapse guarantee, universal life
Call AXA life insurance customer service sometime at 800-877-6810 and hear,”Welcome to AXA Life Service Center WHERE WE CONTINUE TO REDEFINE STANDARDS”. The question immediately comes to mind for me, knowing the track record of AXA, wouldn’t they be...
by Ed Hinerman | Aug 31, 2015 | ADHD, Anxiety, approval, bipolar disorder, business life insurance, CEO life insurance, compliance, Depression, insurance, life insurance, life insurance approval
I live at the base of Mount Antero here in Colorado (Prospector show on the Weather Channel) and yesterday afternoon hiked up to Brown’s Lake, a twelve mile round trip hike up and down Brown’s Creek. I only went to about 12,000 feet, fairly short of the...
by Ed Hinerman | Mar 26, 2015 | application process, compliance, diabetes, impaired risk life insurance, Independent agent, insurance, insurance quotes, life insurance, life insurance underwriting
Since the ING Reliastar cholesterol ratio bell curve debacle 3 years ago I’ve been given to musing about what really goes on behind the closed doors or a life insurance underwriter’s office. Are they in there pouring through records and giving credits and...
by Ed Hinerman | Mar 19, 2015 | application process, approval, budget, business life insurance, children's life insurance, compliance, diabetes, impaired risk life insurance, insurance, life insurance, life insurance approval, Type 1 diabetes
I was contacted today by a woman who was pretty distressed by the fact that Gerber Life wouldn’t approve her 17 year old daughter for life insurance. The young lady has type 1 diabetes and I want to touch on a couple of subjects with this particular situation....
by Ed Hinerman | Feb 26, 2015 | application process, blood pressure, compliance, cpap, decline, high blood pressure, impaired risk life insurance, insurance, life insurance, life insurance approval, life insurance underwriting, Sleep apnea
If 60 Minutes was doing a segment on life insurance applications and how underwriters interpret your medical records they would have to focus on one of the biggest stumbling blocks, doctor’s recommendations for testing. To be fair, there wasn’t any life...
by Ed Hinerman | Jan 30, 2015 | A1c, approval, compliance, coronary artery disease (CAD), diabetes, gastric bypass, insurance, life insurance, life insurance approval, life insurance underwriting, over 50 life insurance, Type 2 diabetes
That phrase is usually followed by a conversation that you may end up feeling you really didn’t need to have, but I’m here with a breath of fresh air, a talk we need to have about how to get better life insurance rates when you have diabetes. Why now? Why...
by Ed Hinerman | Nov 10, 2014 | application process, approval, CEO life insurance, compliance, decline, doctor's recommendation, insurance quotes, life insurance, life insurance approval, life insurance underwriting
Things pop up day to day in my business that remind me that I haven’t written about some particular life insurance pitfall in a while. Just as much as any life insurance impaired risk you might present, the inaccurate BS information that doctors put in or allow...
by Ed Hinerman | Jul 1, 2014 | assumptions, beneficiary, compliance, contingent beneficiary, death benefit, insurable interest, insurance, life insurance, life insurance claim
“Dad said he had life insurance but we can’t find a policy and don’t know what company it was with”! “My husband told me not to worry because he had a life insurance policy that would take care of everything, but now that he’s gone...
by Ed Hinerman | Oct 9, 2013 | bipolar, bipolar disorder, compliance, decline, insurance, life insurance, life insurance approval
Life insurance underwriters have a one word answer to applicants who have been prescribed medicine, or recommended to take a test and not taken it. That word is decline. In a nutshell it comes under the heading of non compliant with treatment. I’m guilty of it...
by Ed Hinerman | Sep 5, 2013 | application process, compliance, decline, Depression, insurance, life insurance, life insurance approval
There is a tendency with a lot of people to get a little road weary with a long term treatment plan and take off in our own direction. I am guilty as charged of that and just like I advise my clients, I have a little homework to do before I apply for a life insurance...
by Ed Hinerman | Aug 22, 2013 | A1c, approval, compliance, diabetes, insurance, life insurance, Type 1 diabetes
I love it when companies finally make forward progress in life insurance underwriting of well controlled health issues. What I can’t work with is when they get weak kneed a year later and throw all the engines in reverse. We’ve been through that kind of...
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