by Ed Hinerman | Jul 16, 2016 | accidental death, business life insurance, disability, doctor's recommendation, Ex Patriot life insurance, foreign nationals, Gap medical insurance, Health insurance, insurance, medical insurance
Do we really want to even throw that question out there? How about we test out a few facts, throw some perspective on it and see how many of us want to move? The US spends more on health care than any other developed country….with worse outcomes! Well OK, but we...
by Ed Hinerman | Jun 9, 2016 | abnormal ekg, abnormal labs, atrial fibrillation, business life insurance, CEO life insurance, doctor's recommendation, insurance, life insurance, life insurance approval
We’ve discussed BNP and proBNP in this forum before and the life insurance underwriting, or lack of, that goes with a high reading. Much like some companies used to do with the liver function test GGT, the underwriter would immediately assume they client drinks...
by Ed Hinerman | Mar 8, 2016 | application process, approval, bipolar disorder, business life insurance, doctor's recommendation, insurance, life insurance, life insurance approval, life insurance exam, life insurance underwriting
So here you are. You’ve made up your mind that you need life insurance to protect your family or your business. You’ve found an agent that you are comfortable with, an agent that seems knowledgeable about different types and reasons for life insurance,...
by Ed Hinerman | Sep 15, 2015 | application process, approval, bipolar disorder, breast cancer, cancer, decline, doctor's recommendation, family history, insurance, life insurance, life insurance approval
I am currently shopping for life insurance for a 50 year old nurse who had breast cancer in 2001. She had a lumpectomy and there was “a very small amount of cancer cells” found in one of the sentinel lymph nodes checked. Because of the lymph node she was...
by Ed Hinerman | May 20, 2015 | application process, approval, arrythmia, atrial fibrillation, business life insurance, CEO life insurance, decline, doctor's recommendation, heart attack, impaired risk life insurance, insurance, life insurance, life insurance approval, life insurance underwriting
I ran into a client over a year ago who presented me with one of those life insurance scenarios that brings out the gag reflex in even the best of underwriters, one of “those issues” that has been an automatic decline since life insurance was invented, an...
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 | Mar 19, 2014 | Alcohol Treatment Life Insurance, CDT alcohol marker, decline, doctor's recommendation, executives, honesty, insurance, life insurance, liver functions, mortality risk
I may have just uncovered some of the mystery surrounding the dreaded life insurance lab result call the CDT, an easy way to refer to Carbohydrate Deficient Transferrin. It’s what is know in life insurance as an alcohol marker. This test, when abnormal, is...
by Ed Hinerman | Mar 7, 2014 | Biggest Loser, BMI, build, doctor's recommendation, gastric bypass, impaired risk life insurance, insurance, life insurance, life insurance approval
As life insurance companies have turned in the direction of more conservative underwriting of build (height, weight, bmi), the last 10 years has seen them really embrace weight loss surgery for the morbidly obese. That sure wasn’t always the case with gastric...
by Ed Hinerman | Oct 9, 2012 | compliance, doctor's recommendation, insurance, life insurance
There is, especially in impaired risk life insurance, frequently a disagreement between clients and their doctors as to whether or not a condition or illness actually exists and almost always some contention over the severity or the treatment. Life insurance...
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