by Ed Hinerman | Feb 26, 2010 | heart disease, insurance, life insurance
I’m always on the hunt for innovative underwriting. I like to find those nuggets when a company finally has an “aha” moment and decides that, for instance, maybe there’s some slack that can be applied to family history without risking the risk...
by Ed Hinerman | Nov 2, 2009 | heart attack, heart disease, life insurance
It’s that time of year when fall starts giving way to winter and we get those giant wet snowstorms that turn many from sedentary leaf peepers into snowplows. It’s also prime season for people to visit the ER with heart attacks or heart attacks symptoms...
by Ed Hinerman | Jul 18, 2009 | angioplasty, heart attack, heart disease, insurance, life insurance
It’s amazing how a heart attack or a visit to the ER with chest pain can make you consider mortality. Even when you come away with a quick fix like a stent, life just seems a bit more fragile. So how do life insurance underwriters view cardiac issues? Can you...
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...
by Ed Hinerman | May 5, 2009 | A1c, angioplasty, Banner Life, bypass surgery, cancer, diabetes, heart disease, insurance, life settlements, Sleep apnea
A month or so ago I talked about a client of mine who, over the course of 4 years, has been working with me to get his rate down from the very first approval we were able to get through Empire General at a table 8, to a just approved standard plus rate with Banner...
by Ed Hinerman | May 4, 2009 | Banner Life, breast cancer, cancer, diabetes, family history, heart disease, Independent agent, insurance, life insurance, stroke
When I do an on the phone interview with a potential life insurance client I ask a series of medical questions that help me to decide the appropriate rate classification to quote. Part of the application process, whether it is done with your agent or with the examiner...
by Ed Hinerman | May 1, 2009 | blood pressure, cpap, heart disease, high blood pressure, insurance, life insurance, obesity, Sleep apnea, stroke
Sleep apnea is one of those health issues that can elicit anything from a best rate class approval to a decline depending on two things, which company’s underwriter was involved and if you are truly treating the issue seriously. A layman’s sleep apnea...
by Ed Hinerman | Apr 15, 2009 | diabetes, heart disease, insurance, life insurance
I’ve written plenty about the road that someone with diabetes has to deal with in getting life insurance, but for just a few minutes I’d like to step out of my life insurance shoes for a minute and talk about the critical issue of those who don’t...
by Ed Hinerman | Apr 9, 2009 | Banner Life, blood pressure, bypass surgery, cancer, cholesterol, diabetes, gastric bypass, heart disease, insurance, life insurance, obesity, Prudential
Let’s don’t mince words on this subject. If someone is 40% overweight they are twice as likely to die prematurely than someone of average build. It’s not the fat that kills you, but the strain that all that extra weight puts on your body making you a...
by Ed Hinerman | Mar 23, 2009 | blood pressure, diabetes, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, smoking
I knew a guy who made cabinets for a living. He bid jobs through local contractors and directly to homeowners and I could never figure out how he arrived at the prices he presented. There didn’t seem to be a lot of equity between one quote and the next. Now I...
by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
by Ed Hinerman | Mar 10, 2009 | A1c, blood pressure, coronary artery disease (CAD), diabetes, heart disease, hypertension, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
There are probably more than five tips for type 1 and type 2 diabetics who are looking for life insurance and don’t want to pay through the nose for it, but let’s take a quick look at the most important. 1. Educate yourself about your diabetes. Understand...
by Ed Hinerman | Mar 1, 2009 | AARP, cancer, Depression, diabetes, heart disease, insurance, life insurance, New York Life
I had posed a question to the Latino community a few weeks ago asking whether a life insurance website in Spanish with a direct line to bilingual staff would be something helpful. New York Life recently unveiled exactly what I was talking about. Yes, this is the same...
by Ed Hinerman | Feb 19, 2009 | A1c, diabetes, heart disease, high blood pressure, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
To be honest there is good news and bad news. The bad news is that those life insurance companies who are “diabetic friendly” are in fact very “Ltd”….limited. The good news is that there are a handful of companies that are very fair and...
by Ed Hinerman | Feb 14, 2009 | bait and switch, blood pressure, cholesterol, diabetes, heart disease, high blood pressure, insurance, insurance quotes, life insurance
Just for minute let’s pretend this wild scenario could happen. You talk to two life insurance agents and tell them both the same health information. One gives you a quote that your life insurance policy will cost $1000 a year and the other says it will cost...
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