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 | Jul 25, 2007 | cholesterol, Independent agent, insurance, life insurance, liver functions
You know the rates I’m talking about. You see them on TV, in magazines and on the internet. Rates so low that they make even the most seasoned, die hard, disliker of life insurance consider running right out and getting some. They’ve been called Superman...
by Ed Hinerman | Apr 11, 2007 | Addiction Treatment life insurance, Drug Treatment Life Insurance, DUI, Independent agent, insurance, life insurance, liver functions, private pilots
No there’s a couple of items there that are taken very seriously by life insurance underwriters. During an initial interview with a good independent agent they are going to ask about any history of alcohol abuse, treatment for alcohol or drug abuse and any...
by Ed Hinerman | Apr 10, 2007 | cholesterol, Independent agent, insurance, life insurance, liver functions, term insurance
A person’s build, their height and weight and how that is distributed, is probably the biggest bone of contention in life insurance underwriting. Unlike lab results like cholesterol or liver functions, people can try to chase the weight rabbit a few different...
by Ed Hinerman | Feb 21, 2007 | cholesterol, hypertension, Independent agent, insurance, insurance quotes, life insurance, liver functions, Type 1 diabetes, Type 2 diabetes
I don’t think I would be overstating the subject at all if I said that at least once a week I have a client who, for the first time, discovers they have a health issue because the life insurance exam lab results bring it to light. Some of the most frequent...
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