by Ed Hinerman | Jan 11, 2011 | children's life insurance, diabetes, insurance, life insurance
No, really! Not return of premium term insurance. Not some magic vanishing premium whole life thing. This isn’t even the latest life settlement, premium financed mega mess. I think this is particularly clever and nice too. A company that is reaching out and...
by Ed Hinerman | Dec 17, 2010 | American Diabetes Association, diabetes, insurance, life insurance
I have tried for years to get the American Diabetes Association to allow me to help them rewrite their “Life Insurance Information” page on their website. I will put this as bluntly as it needs to be. The ADA doesn’t have a clue about what it takes...
by Ed Hinerman | Dec 9, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
I shared in a post yesterday concerning the ongoing quest to get a life insurance, any life insurance company, to consider offering life insurance for children who have juvenile type 1 diabetes. The email that I sent out to insurance companies was also forwarded to...
by Ed Hinerman | Dec 8, 2010 | American Diabetes Association, children's life insurance, diabetes, insurance, life insurance
Those who follow my blog have seen this battle going on for years. I will admit that the steady stream of “no ways” that I have received occasionally dampens my enthusiasm, but an email I received this morning has prompted a resurgence in my efforts. The...
by Ed Hinerman | Nov 27, 2010 | bipolar disorder, diabetes, insurance, life insurance, Type 1 diabetes
I have to admit that I very seldom approach a new year with pessimism, but it’s also pretty rare form me to start talking about my optimism when the new year is still a month away. I believe 2011 is going to be a breakthrough, breakaway, record breaking year for...
by Ed Hinerman | Oct 28, 2010 | diabetes, insurance, life insurance
I’ve had health change surprises come out of nowhere before. I can still remember 30 years ago seeing the doctor for some innocuous thing and he did a blood workup. The result was a diagnosis of Raynauds disease. I was in my late 20’s and felt pretty good....
by Ed Hinerman | Sep 30, 2010 | diabetes, insurance, life insurance, over 50 life insurance, senior life insurance
Preferred plus life insurance rates and type 2 diabetes are rarely used in the same sentence except possibly in the context of “Your chances of getting preferred plus rates with type 2 diabetes are slim to none”. That was until last year when ING Reliastar...
by Ed Hinerman | Sep 16, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
One of the often asked questions on diabetes forums and blogs is if a person with type one diabetes can get life insurance at all, and if so can it be done at reasonable rates. I recently posted a checklist of criteria that underwriters want to see in order to approve...
by Ed Hinerman | Sep 13, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
I’ve often talked about mortality risk being the basis for life insurance underwriting, but looking back I’ve never really explained what that means in the context of a “normal” lifespan. We all hear that Americans are living longer than ever,...
by Ed Hinerman | Sep 10, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
Proof that underwriting guidelines are 1. Not etched in stone like the 10 commandments and 2. Aren’t consistent from company to company, is shown in how type 1 diabetes is underwritten, particularly adult onset type 1. Type 1 diabetes has long been the unloved...
by Ed Hinerman | Aug 6, 2010 | diabetes, high blood pressure, insurance, life insurance
Non compliance, not following doctor’s orders, is a choice we all come face to face with whenever we leave the doctor’s office. Whether it is a recommended followup or additional testing, prescribed medication that needs to be taken as prescribed to be...
by Ed Hinerman | Jun 22, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
I was recently asked to work on a case where the client was feeling like the kiss of decline was the best she would ever hear! Her only problem was that she had been a type 1 diabetic since age 9. I shared with you not too long ago how we had found that spot where...
by Ed Hinerman | May 18, 2010 | diabetes, heart attack, insurance, life insurance
I know I’ve beat this drum before, but there is a real propensity in the life insurance business for agents to be so protective of a potential sale that they will actually tell a customer they are uninsurable, rather than admit they are the wrong agent for the...
by Ed Hinerman | May 13, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
In a post not too long ago I talked about a case that I had shopped. My email to the various underwriters noted “39 year old male, 5’10, 148, non smoker. Diagnosed type 1 diabetes 2005. Compliant on testing, followup, and treatment. A1c has always been...
by Ed Hinerman | Mar 24, 2010 | A1c, diabetes, insurance, life insurance
Since virtually everyone we work with on life insurance has some kind of health impairment, and since it’s my job to determine how that impairment is going to impact our ability to get affordable life insurance, I depend a lot on people knowing the facts about...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
Recent Comments