by Ed Hinerman | Mar 15, 2017 | gastric bypass, insurance, life insurance, life insurance approval
It’s been quite a while since I’ve updated Life insurance underwriting guidelines and prices for those who have had a gastric bypass surgery. I shopped the question over the last week so have up to date looks from a large number of life insurance companies...
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 | 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 | Nov 30, 2012 | approval, bipolar disorder, decline, gastric bypass, insurance, life insurance, life insurance approval, Type 1 diabetes
Being in the impaired risk end of the life insurance business, and specializing in helping people who aren’t having any fun with their life insurance experience, almost everyone who calls or emails me has on thing in common. The have unfortunately allowed the...
by Ed Hinerman | Nov 26, 2012 | Anxiety, bipolar disorder, Depression, gastric bypass, insurance, life insurance, life insurance approval, mortality, mortality risk, obesity
Let me start out by saying that traditional life insurance underwriting doesn’t reward treatment of health issues. That is as in DOES NOT reward. There are still life insurance companies out there that will whack a client like a golf ball for taking medication...
by Ed Hinerman | Dec 12, 2011 | Anxiety, gastric bypass, insurance, life insurance
When I came up with a title for this post it made me chuckle. It seemed so familiar….but we’re not talking about my granddaughter. This is about life insurance and specifically the negative impact you can have on your application by not following through...
by Ed Hinerman | Jun 22, 2011 | gastric bypass, insurance, life insurance, obesity
I’ve written frequently about the stigma that goes with being obese and choosing to have gastric bypass or bariatric surgery. I have to admit there was a time in my distant path when I looked at it as the easy way out. It was what people did if they didn’t...
by Ed Hinerman | Mar 20, 2011 | gastric bypass, insurance, life insurance, obesity
Let’s face it. Obesity has long had a stigma all its’ own. After all, as the stigma goes, no one held them down and fed them until they were morbidly obese! Lack of self control!! Why don’t they just go on a diet and get off their rears and get some...
by Ed Hinerman | Dec 22, 2010 | gastric bypass, life insurance, obesity
Obesity! Obesity! OBESITY! That’s kind of the way our country has been going over the past 20-30 years. I remember growing up in Wyoming and, as rude as I may have been, really staring at morbidly obese people. They were just that rare. I get asked fairly often...
by Ed Hinerman | Mar 16, 2010 | gastric bypass, insurance, life insurance, obesity
America has spent trillions of dollars monitoring, spying on and fighting enemies abroad since its’ inception. Now it would appear that we are being overtaken from the inside, not by armed terrorists, but by fat. Obesity is out to kick our behinds. Now...
by Ed Hinerman | Dec 14, 2009 | gastric bypass, insurance, life insurance
The standard guideline for life insurance underwriting of gastric bypass surgery has generally been two years out from surgery and one year of weight stability. In other words most companies don’t really want to participate in your mortality post surgery,...
by Ed Hinerman | Nov 30, 2009 | gastric bypass, insurance, life insurance
I’m often asked whether being declined for insurance, or highly rated, will influence how another company looks at a new application. The answer is truly an emphatic NO! Each company has their own underwriting criteria and their own philosophy and their medical...
by Ed Hinerman | Sep 28, 2009 | gastric bypass, insurance, life insurance
We just wrapped up a life insurance application with a successful approval at a standard rate class, the best we could have hoped for even in the absence of the bypass history. We have been dog determined to point out through this forum that the social stigma and...
by Ed Hinerman | May 29, 2009 | diabetes, gastric bypass, insurance, life insurance, obesity
I’ve written before about the dramatic and often amazing results that extremely overweight people have see in regards to their diabetes when they undergo gastric bypass surgery. Gastric bypass is a procedure that essentially creates a dramatically smaller...
by Ed Hinerman | May 11, 2009 | bypass surgery, diabetes, gastric bypass, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, stroke, Type 2 diabetes
There was a time when I had a whole different view of obesity and gastric bypass. I think the majority of folks still look at the whole thing through somewhat jaded and certainly uneducated eyes. I will just be right up front and ask to be forgiven for the way I felt...
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