by Ed Hinerman | Jun 6, 2012 | A1c, diabetes, insurance, life insurance, life insurance approval, Type 1 diabetes
I’ve talked often about the fact that easily 99% of life insurance companies underwrite by the book, the underwriting manual, and for most of them it hasn’t changed since we only had 49 states. If the word bipolar is on the application you are declined....
by Ed Hinerman | Jun 5, 2012 | diabetes, impaired risk life insurance, insurance, life insurance, Type 1 diabetes
It’s what we’re all looking for, right? The path of least resistance. I know whenever I can I would prefer to do as little as possible and, really, honestly, I would kind of like instant gratification. Hey it leaves more time for the fun stuff. Getting...
by Ed Hinerman | Mar 30, 2012 | cancer, children's life insurance, impaired risk life insurance, insurance, life insurance, mortality, Type 1 diabetes
Being primarily a health risk life insurance agent I get to talk to a lot of people about diseases and problems they didn’t have even just a few years prior. Especially guys have this bombproof thing going on where they truly believe as long as they work hard...
by Ed Hinerman | Dec 14, 2011 | insurance, life insurance, melanoma, pilot, private pilots, Type 1 diabetes
What a crazy year for underwriting life insurance. There have been shifts all over the map from type 1 diabetes to melanoma history, with some of the best news coming for private pilots. It’s been quite a while since we’ve had as many solid players in the...
by Ed Hinerman | Nov 21, 2011 | diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
Before you dig too deep into this post let me clarify that I am not talking about juveniles with juvenile onset type 1 diabetes. I still don’t know anyone that will cover them and I am still actively lobbying companies to be the one to step out of the dark ages...
by Ed Hinerman | Apr 19, 2011 | A1c, diabetes, insurance, life insurance, Type 1 diabetes
We are by no means where I would like to see diabetes life insurance underwriting, but compared to 15 years ago, 10 years ago, even 5 years ago, life is good. I’ve talked a lot about adult onset type 1 diabetes life insurance approvals. The obvious thing going...
by Ed Hinerman | Dec 9, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
I shared in a post yesterday concerning the ongoing quest to get a life insurance, any life insurance company, to consider offering life insurance for children who have juvenile type 1 diabetes. The email that I sent out to insurance companies was also forwarded to...
by Ed Hinerman | Nov 27, 2010 | bipolar disorder, diabetes, insurance, life insurance, Type 1 diabetes
I have to admit that I very seldom approach a new year with pessimism, but it’s also pretty rare form me to start talking about my optimism when the new year is still a month away. I believe 2011 is going to be a breakthrough, breakaway, record breaking year for...
by Ed Hinerman | Sep 16, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
One of the often asked questions on diabetes forums and blogs is if a person with type one diabetes can get life insurance at all, and if so can it be done at reasonable rates. I recently posted a checklist of criteria that underwriters want to see in order to approve...
by Ed Hinerman | Sep 13, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
I’ve often talked about mortality risk being the basis for life insurance underwriting, but looking back I’ve never really explained what that means in the context of a “normal” lifespan. We all hear that Americans are living longer than ever,...
by Ed Hinerman | Sep 10, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
Proof that underwriting guidelines are 1. Not etched in stone like the 10 commandments and 2. Aren’t consistent from company to company, is shown in how type 1 diabetes is underwritten, particularly adult onset type 1. Type 1 diabetes has long been the unloved...
by Ed Hinerman | Jun 22, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
I was recently asked to work on a case where the client was feeling like the kiss of decline was the best she would ever hear! Her only problem was that she had been a type 1 diabetic since age 9. I shared with you not too long ago how we had found that spot where...
by Ed Hinerman | May 13, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
In a post not too long ago I talked about a case that I had shopped. My email to the various underwriters noted “39 year old male, 5’10, 148, non smoker. Diagnosed type 1 diabetes 2005. Compliant on testing, followup, and treatment. A1c has always been...
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 | Sep 21, 2009 | diabetes, insurance, life insurance, Type 1 diabetes
Back in mid July I started working on a life insurance case for a young man with type 1 diabetes. He had already discovered how easy it is to find a company to decline him, but the picture he painted was not one that led to a logical decline. He had the same strikes...
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