by Ed Hinerman | Oct 31, 2020 | atrial fibrillation, coronary artery disease (CAD), heart attack, heart disease, life insurance
I wrote this post three and a half years ago and there have been several positive changes in the life insurance underwriting of heart disease and heart disorders. I hope the updated information below will give you the answers you need about how to acquire life...
by Ed Hinerman | Mar 6, 2020 | coronary artery disease (CAD), heart attack, heart disease, life insurance
Can I Get Life Insurance With A Heart Condition Or Heart Disease If you haven’t personally experienced the trauma of a heart attack or being told that you have a life changing heart condition, like me, I’m sure you know someone who’s had one of those...
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 | 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 | 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 | Jan 22, 2015 | angioplasty, coronary artery disease (CAD), diabetes, impaired risk life insurance, insurance, life insurance, life insurance approval
I was going to start this post by saying, “If I was asked what a life insurance underwriter’s job duties are”, and then I decided no one would really ask me that so please allow me to inflict my opinion on you. Life insurance underwriters have to...
by Ed Hinerman | Dec 29, 2014 | application process, approval, coronary artery disease (CAD), decline, Independent agent, insurance, life insurance, life insurance approval, over 50 life insurance, Type 1 diabetes
There is absolutely nothing wrong with being approved for life insurance at a standard rate class or higher, unless you qualify for a better rate class through another company. There are a large number of companies that don’t even offer multiple rate classes....
by Ed Hinerman | Oct 27, 2014 | angioplasty, approval, bypass surgery, CEO life insurance, coronary artery disease (CAD), decline, ejection fraction, heart attack, insurance, life insurance, life insurance approval, LVEF
I guess on some level I get that if you have coronary artery disease, you will always have it and I get that people with early onset CAD, actuarialy life insurance speaking are a worse life insurance risk than someone who is diagnosed, say, in their 50’s. But...
by Ed Hinerman | Jul 3, 2014 | angioplasty, approval, business life insurance, coronary artery disease (CAD), executives, family history, heart disease, insurance, life insurance, life insurance approval, life insurance underwriting
I’m working on one of those stranger than fiction life insurance cases right now. When I shopped it and got the first round of responses I literally sent all of them back out and ask them if they had read my request correctly. Surely they had missed something...
by Ed Hinerman | May 24, 2012 | coronary artery disease (CAD), ejection fraction, heart disease, insurance, life insurance, LVEF
I just wrote yesterday about the difference between life insurance underwriters and doctors when it comes to how they view information and another on popped on the scene today that could be an interesting bit of sparring. The question at the center of this is whether...
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 | Aug 13, 2011 | coronary artery disease (CAD), heart disease, insurance, life insurance
It’s been years since I’ve run head long into an ultra fast CT scan that just simply defies all logic. Ultra fast CT scans are used to stop the heart mid beat so the chambers and arteries can be looked at in detail. It has been touted as the answer to non...
by Ed Hinerman | Dec 15, 2010 | coronary artery disease (CAD), decline, life insurance, prostate cancer
I have to admit that if it wasn’t for life insurance applications being declined, we wouldn’t do a lot of business. I’ve shared before that most of our clients come to us because they had life insurance declined elsewhere, or they are afraid that if...
by Ed Hinerman | Jun 11, 2009 | angioplasty, coronary artery disease (CAD), heart attack, insurance, life insurance
Angioplasty has been praised for its’ less invasive approach to fixing clogged arteries than the traditional bypass surgery by many and it has been labeled a dangerous scam by others. In light of a couple of takes on angioplasty by CBS news this week I want to...
by Ed Hinerman | Apr 15, 2009 | bipolar, bipolar disorder, breast cancer, cancer, coronary artery disease (CAD), decline, Depression, Independent agent, insurance, life insurance, obesity, Sleep apnea
I’ve certainly questioned the IQ of more than one life insurance underwriter over the years. I may have even insinuated that a few didn’t even make into on to the IQ scale. But the truth is there are two types of underwriters working on life insurance...
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