by Ed Hinerman | Jul 9, 2020 | approval, bait and switch, family history, life insurance, life insurance approval
When I wrote this in 2014 I was a little emotional about it. You would think I would calm down after 6 years, but I am updating this because, well, I’m mad. How Bait And Switch Happens Get the picture? Something is being offered that is not going to turn out...
by Ed Hinerman | Oct 26, 2016 | blood pressure, build, cholesterol, diabetes, family history, insurance, life insurance, over 50 life insurance, over 60 life insurance, Type 2 diabetes
Ah, the joys of being somewhere post mid life and nearly as old as dirt. It seems that we get focused on the negatives like the aches and pains and trying to figure out if retirement is a gift or a joke, and we don’t take time to grab on to the big advantages...
by Ed Hinerman | Oct 26, 2016 | blood pressure, cholesterol, family history, HDL, insurance, life insurance
We’ve all heard the the more things change, the more they stay the same (something like that) and there are plenty of areas in life where change grinds so slowly that, well, we might all be using our life insurance before we actually see it really, really...
by Ed Hinerman | Jul 27, 2016 | cigar smokers, customer service, family history, insurance, life insurance, tobacco use change, underwriting change
There is good news and bad news for me and my life insurance clients. The good news is that there are a few constants that we can hold fast to and take to the bank year after year in life insurance underwriting. It seems that those that qualify for the best rate class...
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 | Dec 22, 2015 | application process, approval, bipolar disorder, cholesterol, family history, height and weight, insurance, lab results, life insurance
I decided to dust off my keyboard today and talk just a little bit about why this blog and my opinions on life insurance underwriting have hit home, struck deep, rang the bell and put life insurance back on the table for so many who are able to translate and follow my...
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 | Jul 24, 2015 | approval, basal cell carcinoma, family history, Independent agent, insurance, insurance quotes, life insurance, life insurance approval, life insurance underwriting, melanoma, mortality risk, squamous cell carcinoma
Call me naive, but there are almost daily occurrences of me seeing less mortality risk in a life insurance underwriting situation than the majority of underwriters. I get that they are paid to see everything through conservative lenses, but there are times when, to...
by Ed Hinerman | Sep 23, 2014 | family history, life insurance, life insurance approval, prostate cancer, PSA
I’m working with a former Selectquote life insurance client. He applied through them and his application was postponed due to a PSA (prostate specific antigen) on his life insurance exam labs of 4.67, below 4 being normal. The company wanted the proposed insured...
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 | Jun 25, 2013 | Active Duty Military Life Insurance, application process, family history, insurance, insurance quotes, life insurance, life insurance approval, Met Life, military
Me pass up an opportunity to question a life insurance company stance at the very core of its’ self proclaimed heart? Not on your life or over my dead body. USAA and MetLife are the self proclaimed most patriotic life insurance companies in the country. They...
by Ed Hinerman | Sep 25, 2012 | approval, family history, insurance, insurance quotes, life insurance, life insurance approval, prostate cancer, reconsideration
Life insurance company reconsiderations are thrown about the industry like the success of them is common place and they are for all intents and purposes, a shoe in. The kind of reconsideration I’m talking about is when a smoker becomes a non smoker, someone with...
by Ed Hinerman | Oct 1, 2010 | family history, insurance, life insurance
There is almost always an audible let down (sometimes mixed with some expletives) when I ask about family history of heart disease, cancer and diabetes. The typical response goes something like, “How can they hold that against me when my Dad was an overweight,...
by Ed Hinerman | Apr 21, 2010 | family history, insurance, life insurance
Most of the time we don’t mind being historically linked to our parents, that is until that link pops up in the life insurance underwriting category of family history. With just a few exceptions the family history question on most life insurance applications...
by Ed Hinerman | Feb 1, 2010 | family history, heart attack, insurance, life insurance
Family history is one of those issues that just isn’t much fun to explain and frankly, from a life insurance underwriting standpoint, is a little hard to make a mortality risk case for more often than not. Now I’ll give the actuaries the benefit of the...
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