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 | Nov 30, 2009 | insurance, life insurance, obesity
Like smoking, another issue that gets a lot of interest in life insurance but very little follow through, is weight. I’ve offered several posts concerning companies that will underwrite obesity at fair rates. I’ve also mentioned frequently that what is...
by Ed Hinerman | Nov 24, 2009 | conversion, insurance, life insurance
I’ve truly gotten a sense of what a love/hate relationship is all about with West Coast Life. They are, in so many areas, one of the best companies in the business for fair and flexible underwriting. I love that since most of my clients need above average...
by Ed Hinerman | Nov 23, 2009 | insurance, life insurance, term insurance
I watched Dennis the Menace the other night and early on in that film it was clear that Mr Wilson would have preferred to have $100,000 in his pocket and no Dennis as a neighbor. That’s probably a bit harsh, but the answer as to why he couldn’t have that...
by Ed Hinerman | Nov 20, 2009 | insurance, life insurance, mortality
When A doctor says you’re doing just fine or you don’t need to worry about this or that, they really mean it. I suspect that in the short term scheme of things they may even be right most of the time. But let’s not mix up a short term prognosis with...
by Ed Hinerman | Nov 19, 2009 | insurance, life insurance
I think it would be accurate to say that we help a lot more people with health issues than people who are just insanely healthy, but let me be very clear, we do a great job helping the insanely healthy as well. I had a call from a company executive today wanting...
by Ed Hinerman | Nov 18, 2009 | accelerated death benefit, conversion, insurance, life insurance
Term life insurance is a product that is sprinkled with gold nuggets that make it so much more than it appears on the surface. The great news is that the nuggets are part of the policy and are not added on at an extra cost. One of those nuggets that I often take for...
by Ed Hinerman | Nov 16, 2009 | blood pressure, high blood pressure, insurance, life insurance
In Job 12:11 it says “Does not the ear test words, as the palate tastes its food?” When a life insurance agent gives you a quote that you know sounds a little too good, do you question it or set yourself up for disappointment by choosing to believe...
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...
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