by Ed Hinerman | Aug 11, 2011 | basal cell carcinoma, insurance, life insurance, melanoma, squamous cell carcinoma
What a summer, huh? I heard on the news the other day that somewhere in Oklahoma had set a new all time record high for any state over a full month. We’re talking hotter than Arizona!! I’m pretty blessed to live at 7000′ in Colorado where yesterday...
by Ed Hinerman | May 26, 2011 | basal cell carcinoma, insurance, life insurance, melanoma, squamous cell carcinoma
There is no lack of bad advice and lame life insurance underwriting when it comes to any of the three types of skin cancer, basal cell carcinoma, squamous cell carcinoma and malignant melanoma. At the core of the confusion seems to be multiple instances of anything....
by Ed Hinerman | Mar 23, 2011 | basal cell carcinoma, insurance, life insurance, melanoma
I love to golf. There are very few things that carry that same feeling as a well hit drive or sinking a long putt (or for me not missing a short one), but when we can get a case approved at better than standard rates for someone with a history of melanoma, well,...
by Ed Hinerman | Jan 10, 2011 | breast cancer, cancer, insurance, life insurance, melanoma
I’ve often mentioned that shopping life insurance cases before sending a formal application is important. It saves time, avoids disappointment and, from a customer service standpoint, makes the whole process of approving impaired risk life insurance far easier...
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 | Jun 23, 2009 | basal cell carcinoma, insurance, life insurance, melanoma, squamous cell carcinoma
There is skin cancer, the most common cancer in the United States with over one million cases annually. Not to trivialize, but most of those cases are basal cell or squamous cell carcinoma and are generally easily and successfully treated. It is the third in the trio...
by Ed Hinerman | May 4, 2009 | Banner Life, heart attack, incontestability, insurance, life insurance, melanoma, term insurance
Continuing on with a series of posts I started last week on life insurance applications I would like to discuss the necessary (by law) and often misunderstood Authorization to Obtain Information or HIPAA authorization form. HIPAA, the Health Insurance Portability and...
by Ed Hinerman | Dec 26, 2008 | basal cell carcinoma, bipolar disorder, blood pressure, diabetes, high blood pressure, melanoma, Type 1 diabetes, Type 2 diabetes
Considering the turmoil of the economic meltdown that was 2008, it’s always good to find and hold onto bright spots. Here is just a quick review of a few of those bright spots coming from a most unlikely source, life insurance underwriters. For years there has...
by Ed Hinerman | Jul 29, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
Skin cancer is the most common cancer among both men and women in the US. Life insurance underwriters have shown a lot of movement on their underwriting guidelines for skin cancer over the past several years. Unfortunately, until recently, it didn’t seem to be...
by Ed Hinerman | Jul 11, 2008 | basal cell carcinoma, cancer, insurance, life insurance, melanoma, squamous cell carcinoma
In my experience it is the guys in this world that not the brightest lights on the block when it comes to preventive measures like using sunscreen, wearing hats and not overexposing themselves to the sun. I would put my money on men to be the first sex to be...
by Ed Hinerman | May 28, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
The word cancer used in reference to anything to do with life insurance usually conjures up visions of declines and huge rates. In that regard skin cancer is something of a different animal. Skin cancer is the most common cancer in both men and women, mostly thanks to...
by Ed Hinerman | May 23, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, prostate cancer, PSA
Guys! The boogie man isn’t under the bed, but rather right below our belly buttons, just about a finger’s length up our rear ends. I’m talking about the prostate gland and the fact that 1 in 6 men will get prostate cancer in their life time. Prostate...
by Ed Hinerman | Jan 4, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
If you’ve been around life insurance long enough you begin to see that there are companies whose underwriting guidelines kind of float on the breeze and then there are those who truly do their homework and strive to make reasonable decisions. I have commented in...
by Ed Hinerman | Nov 12, 2007 | cancer, insurance, life insurance, melanoma
Melanoma, the deadliest of the skin cancers, has been at the fore front of treatment innovation for some time. Scientists have long believed that, given a way to rev up a person’s natural immune system, melanoma could successfully be fought off without more...
by Ed Hinerman | Aug 7, 2007 | basal cell carcinoma, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
While it may be too late for those of us who grew up in the 50’s and 60’s, wearing our sunburns with pride, using sunscreen can certainly cut down on future cases of skin cancer. We have gone over the life insurance underwriting differences of the three...
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