by Ed Hinerman | Apr 17, 2019 | Hep C Cure, hepatitis, life insurance
It used to be that getting life insurance with Hepatitis C was difficult. But, there’s nothing quite like a cure for a deadly disease to stir up the life insurance underwriting pot. When Harvoni showed up and put a stop to Hepatitis C (for those who could afford...
by Ed Hinerman | Feb 3, 2018 | business life insurance, CEO life insurance, clinical underwriting, Hep C Cure, HIV business life insurance, insurance, life insurance, life insurance approval, Type 1 diabetes
To say that the nature, the underwriting and the life insurance products have changed and changed remarkably over the last 10 years is an understatement. There is the old world of life insurance and now we are really, truly living in a new world and customers, both...
by Ed Hinerman | Jan 4, 2018 | approval, business life insurance, CEO life insurance, Hep C Cure, HIV business life insurance, HIV life insurance, indexed universal life, insurance, life insurance
2017 was a fantastic year for progress in life insurance underwriting. Business boomed for those companies bold enough to acknowledge and embrace major medical breakthroughs and the life insurance agents that represented those companies could finally announce fair...
by Ed Hinerman | Feb 20, 2017 | approval, Hep C Cure, hepatitis, insurance, life insurance, life insurance approval
Before all of you who have been cured by Harvoni jump on the phone expecting the life insurance results in the title of this blog post, let me throw a couple of * * up. Wait a minute. That looks like I said something bad. Let’s talk caveats to that best class...
by Ed Hinerman | Jul 19, 2016 | abnormal labs, application process, COPD, Hep C Cure, hepatitis, high net worth, HIV life insurance, HIV Positive, insurance, life insurance
While it would be nice to think you could read headlines like, “New Drug Cure Hepatitis C Completely”, and know that the next headline coming would be, “Life Insurance Companies Give Best Rate Class To Those Cured Of Hep C”, don’t hold...
by Ed Hinerman | Mar 7, 2016 | Hep C Cure, hepatitis, impaired risk life insurance, insurance, life insurance, liver functions
I’m sure I had millions of people sitting by their computers waiting for me to follow up on my post a week and a half ago on how life insurance companies were going to treat the new cures for Hepatitis C. OK, I probably had the same two that are always there,...
by Ed Hinerman | Jul 8, 2015 | abnormal labs, Hep C Cure, hepatitis, insurance, life insurance, life insurance approval, liver functions
For so long life insurance underwriters have hung their impaired risk opinions on “well controlled” and “stable” that being hit with not just the word, but the reality of the word “cured” is just now starting to get them thinking....
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