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 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 | Feb 16, 2017 | approval, clinical underwriting, hepatitis, impaired risk life insurance, insurance, life insurance
I don’t know what more life insurance companies could want than a level playing field and a chance to compete for their fair share of the business, but no joke, there are some that trip and fall on a level playing field. I just worked on a case that, while not...
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....
by Ed Hinerman | Jan 26, 2012 | Anxiety, decline, Depression, hepatitis, insurance, life insurance
What a cold, cruel world we live in. Most of the time I am not surprised when someone calls because they they have been approved at a standard rate, sometimes a little worse for things like ADD, ADHD, mild anxiety or depression. A few days ago I got a call from...
by Ed Hinerman | Oct 29, 2008 | decline, hepatitis, Independent agent, insurance, life insurance, liver functions
Well, no…..or maybe yes……it all really depends. I hope this information has been helpful. Seriously though, underwriting of Hepatitis C really comes down to a few key factors. First, is the disease in remission and second, how much damage has the...
by Ed Hinerman | Jun 11, 2008 | cancer, coronary artery disease (CAD), decline, diabetes, hepatitis, Independent agent, insurance, life insurance, prostate cancer
When you apply for life insurance it is not a given that you will get what you want or what you believe you deserve. By far the majority of policies are approved with no surprises. A smaller percentage are approved but at a different rate. And a small percentage are...
by Ed Hinerman | May 28, 2008 | Anxiety, bipolar disorder, Depression, diabetes, heart attack, heart disease, hepatitis, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
There must be a couple of million people in the US licensed to sell life insurance. If you take in the giant internet mega agencies, all of the independent agents, and all of the captive agents (work for just one company), the possibilities for purchasing life...
by Ed Hinerman | Aug 9, 2007 | cancer, cholesterol, diabetes, heart disease, hepatitis, high blood pressure, insurance, life insurance, stroke
Barry Bonds now has more home runs than anyone in history. 756!! I tried hitting 50 mph balls in a batting cage one time and hit like one out of twenty or so and it was not home run material. I’m impressed. Some people say he got there with the use of steroids....
by Ed Hinerman | Jul 26, 2007 | diabetes, hepatitis, Independent agent, insurance, life insurance, liver functions
Hep C is the most common chronic blood borne infection in the United States. The insidious nature of the disease is such that often people will not experience symptoms for years, even decades, after they are infected. Life insurance underwriting for Hep C is a careful...
by Ed Hinerman | Mar 20, 2007 | breast cancer, cancer, coronary artery disease (CAD), hepatitis, Independent agent, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, whole life
There is certainly no lack of unjustified respect for some of the biggest names in life insurance in the country. If you’ve seen their name on television or in magazines it kind of sticks with you and you probably, like most folks, assume that big and famous,...
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