by Ed Hinerman | May 22, 2020 | life insurance, life insurance approval, prostate cancer, PSA
This post was first written September 2014, critical updates made May 2020 The Case For Prostate Cancer Active Surveillance There is no question that with today’s medical knowledge and technology, the idea of keeping an eye on a slow growing, low stage and grade...
by Ed Hinerman | Jun 24, 2015 | approval, breast cancer, cancer, impaired risk life insurance, insurance, John Hancock, life insurance, life insurance approval, life insurance underwriting, melanoma, prostate cancer, PSA
No, not the real man. He was by all reports a real stand up guy, but unfortunately there isn’t a requirement when a company uses your name that they have to portray the same characteristics. A few years back John Hancock Life Insurance made some bold, but well...
by Ed Hinerman | May 14, 2015 | approval, decline, ejection fraction, honesty, insurance, insurance quotes, lab results, life insurance, life insurance approval, PSA
With my feet firmly planted in impaired risk life insurance, the you and me’s who can’t lay claim to perfect health, it is rare when I send someone life insurance quotes at preferred plus, preferred elite, preferred best or whatever clever name insurance...
by Ed Hinerman | Sep 23, 2014 | family history, life insurance, life insurance approval, prostate cancer, PSA
I’m working with a former Selectquote life insurance client. He applied through them and his application was postponed due to a PSA (prostate specific antigen) on his life insurance exam labs of 4.67, below 4 being normal. The company wanted the proposed insured...
by Ed Hinerman | Oct 29, 2013 | HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval, prostate cancer, PSA
Prostate cancer has been one of the easier cancers for life insurance underwriting for a long time, but the criteria for those low stage and grade cases has been expanded to areas not seen before. In recent weeks I’ve been all over this forum about breakthroughs...
by Ed Hinerman | Aug 26, 2013 | approval, cancer, decline, insurance, life insurance, prostate cancer, PSA
All of us guys, and women who are into reading about men’s health, have heard that men are for more likely to die with prostate cancer than from it. So what does that really mean? 1 out of 6 men will be detected with prostate cancer in their lifetime. Most of...
by Ed Hinerman | Jan 29, 2013 | approval, cancer, decline, insurance, life insurance, life insurance approval, prostate cancer, PSA
Turning a declined life insurance application into an approval is usually not that hard. It’s how I make a living. But I have to admit that turning a decline from Allstate into a preferred plus approval through one of my companies is kind of like laying down a...
by Ed Hinerman | Sep 6, 2012 | insurance, insurance quotes, life insurance, life insurance approval, prostate cancer, PSA
I had mentioned in a post not too long ago about a new test that might negate the need for invasive biopsies when men have a high or elevating PSA. A recent Reuters article kind of hit the nail on the head when it comes to the reliability of the PSA as an indicator of...
by Ed Hinerman | Jun 28, 2012 | cancer, insurance, life insurance, prostate cancer, PSA
A real show stopper in the life insurance application process is when a PSA comes back high, or at least elevated compared to previous PSA’s. This has turned into something of a fussing point since, in most cases, life insurance underwriters will postpone an...
by Ed Hinerman | May 30, 2012 | cancer, insurance, insurance quotes, life insurance, prostate cancer, PSA
Either life insurance underwriters aren’t buying into what researchers and doctors are saying about the PSA, prostate specific antigen test, or in the case of one underwriter she’s just believing what he wants to believe to get through this case and not...
by Ed Hinerman | May 23, 2012 | abnormal ekg, insurance, life insurance, prostate cancer, PSA
This is one of those days that makes me think about the “Men are from Mars and Women are from Venus” line of thinking. Little did they know when that was written that they would give the planet with water to men!! It could easily be changed to...
by Ed Hinerman | May 17, 2012 | heart attack, Independent agent, insurance, life insurance, prostate cancer, PSA
When a life insurance agent presents something to a life insurance customer as a fact, customers generally believe it to be a fact and make their future plans accordingly. The believe life insurance agents are honest and knowledgeable and depend on their advice and...
by Ed Hinerman | Feb 14, 2012 | cancer, insurance, life insurance, over 50 life insurance, prostate cancer, PSA
The dreaded elevated PSA! Life insurance underwriters treat a PSA out of the normal 0-4.0 range or a PSA that is higher than your last PSA with the life insurance equivalent of shutting all the hatches on a sinking ship. Even though there are no less than half a dozen...
by Ed Hinerman | Feb 4, 2012 | breast cancer, cancer, insurance, life insurance, over 50 life insurance, prostate cancer, PSA
One of the brightest gems in the new cancer life insurance underwriting that was unveiled this week is the possibility to get all the way back to preferred rates with the right cancer, the right outcome and, of course, the right agent and the right company. For as...
by Ed Hinerman | Dec 27, 2011 | insurance, life insurance, prostate cancer, PSA
Prostate cancer, we’ve all heard at one time or another, is something that virtually every man will have at some point in his life. While only one in five or so of us guys will ever be diagnosed with prostate cancer, the other four, according to theory and...
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