by Ed Hinerman | Nov 13, 2009 | insurance, life insurance, Sleep apnea
So, you applied for life insurance and have been postponed or declined because you didn’t complete some, for instance a sleep study test your doctor recommended! Want a second opinion? Don’t waste your time. You’ll get the same answer at the next...
by Ed Hinerman | Nov 12, 2009 | insurance, life insurance, melanoma
The most common type of cancer among men and women is skin cancer. By far the majority of those cases are rarely life threatening types like basal cell carcinoma or squamous cell carcinoma. The least common of the three is the most feared and has one of the highest...
by Ed Hinerman | Nov 11, 2009 | bipolar, bipolar disorder, Independent agent, insurance, life insurance
This is a theme I have pounded on for some time. There are the obvious cases where, for instance, someone with bipolar disorder who goes to their Farmers insurance agent should not expect a good outcome. Wrong agent with the wrong company. In that case there is no...
by Ed Hinerman | Nov 10, 2009 | insurance, life insurance, Sleep apnea
Of course the reason snoring is a life insurance underwriting issue is because someone may put a pillow over your head and hold it there until the noise stops. Seriously though, if that snoring is driven by sleep apnea, depending on the company you may get a brief...
by Ed Hinerman | Nov 9, 2009 | insurance, life insurance, private pilots
Airline pilots have been given a free pass by life insurance companies for a long time. The companies have assumed that if you are good enough to fly one of those big things for a real airline company, aviation won’t be an underwriting issue. New question on...
by Ed Hinerman | Nov 5, 2009 | insurance, life insurance, prostate cancer
Prostate cancer has been on of those life insurance health issues that we’ve been able to help a lot with over the years. Like so many other issues it can be an instant decline with a lot of companies and we can shop it and get better than standard offers....
by Ed Hinerman | Nov 4, 2009 | American Diabetes Association, diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
It’s been at least a year since I last shared my dismay with both the readers of this blog and the ADA about the ADA choice to just ignore the subject of life insurance for those with diabetes on their website. Whether you have type 1 diabetes or type 2...
by Ed Hinerman | Nov 3, 2009 | bipolar disorder, insurance, life insurance
Once upon a time life insurance underwriting wasn’t as cut and dried, and frankly brutal, as it is today. There was room for flexibility and negotiation and even compassion when working with underwriters. That was way back then….about 4 years ago....
by Ed Hinerman | Oct 30, 2009 | insurance, life insurance, obesity
There is a common misconception, especially among those who have pretty extreme weight issues, that life insurance simply isn’t available. With most, but not all, companies they would be right. Obesity carries with it a lot of mortality baggage that most...
by Ed Hinerman | Oct 29, 2009 | diabetes, insurance, life insurance
So, you have this life insurance policy and you don’t know if it’s a good deal or not, but it’s in force. That’s a good thing and actually far better than most folks have done. But what if there is a better deal out there? I am amazed at the...
by Ed Hinerman | Oct 29, 2009 | insurance, life insurance, prostate cancer
I got a call from a prospective client last week wanting to see if I could find anyone who would offer him life insurance. His issue is prostate cancer with a Gleason 9. He had a radical prostatectomy, chemotherapy and is currently on hormone therapy Lupron. His PSA...
by Ed Hinerman | Oct 27, 2009 | cancer, insurance, life insurance
My Dad died just over a year ago after a two year battle with bladder cancer. I say battle, but he was really in good health (other than the cancer) and good spirits right up to the last few weeks. He was 86 and led an amazingly full, blessed life. When a parent dies...
by Ed Hinerman | Oct 26, 2009 | bipolar, bipolar disorder, insurance, life insurance
I’ve talked recently about the United of Omaha “Fit test” crediting program where a person’s health habits and lifestyle can help reduce the price of their life insurance. Well, they bowled a strike on a bipolar disorder term insurance case I...
by Ed Hinerman | Oct 26, 2009 | insurance, life insurance
Ah, but for the immortal! I’ve long picked on men for their “it won’t get me” attitude when the statistics show differently, but while women do live a bit longer on average, I still wouldn’t take those odds. 1 in 6 men and 1 in 9 women...
by Ed Hinerman | Oct 23, 2009 | insurance, life insurance, no exam
I got an application in the mail yesterday from a Garden State Life It came with a (dang it) non-negotiable sample death benefit check and all of the emotional verbiage they could come up with in order to convince you to act now and don’t take time to check out...
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