by Ed Hinerman | Jul 16, 2009 | diabetes, insurance, life insurance, Type 1 diabetes
I wrote a few posts ago about the challenges of finding fair rates on life insurance for type 1 diabetes and mentioned that I was currently shopping a case that I would share the results on. Because of it’s early onset and inherently higher mortality risk with...
by Ed Hinerman | Jul 9, 2009 | diabetes, insurance, life insurance, Type 1 diabetes
It’s been a while since we’ve talked about life insurance underwriting of type 1 diabetes. Plenty of time has been spent painting the parameters around type 2 diabetes, so let’s update since they are different from an underwriting standpoint....
by Ed Hinerman | Apr 14, 2009 | A1c, American Diabetes Association, decline, diabetes, Independent agent, insurance, life insurance, obesity, Type 1 diabetes, Type 2 diabetes
This is a verbatim copy of the life insurance information page that the American Diabetes Association provides its’ members with. It’s important to note that much of what was written was put in place when a company called US Financial was still in...
by Ed Hinerman | Apr 14, 2009 | American Diabetes Association, diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
About three weeks ago I had written about an attempt to help the American Diabetes Association with their less than professional information concerning life insurance for those with diabetes. It remains my contention that if an advocacy group is not going to provide...
by Ed Hinerman | Mar 24, 2009 | AARP, diabetes, insurance, life insurance, private pilots, Type 1 diabetes, Type 2 diabetes
The ADA continues to strike me as an incomplete advocate. Just try to find information on what it takes to get affordable life insurance if you have diabetes. Unbelievable! I called them this morning and then sent the following email in an attempt to break through to...
by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
by Ed Hinerman | Mar 10, 2009 | A1c, blood pressure, coronary artery disease (CAD), diabetes, heart disease, hypertension, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
There are probably more than five tips for type 1 and type 2 diabetics who are looking for life insurance and don’t want to pay through the nose for it, but let’s take a quick look at the most important. 1. Educate yourself about your diabetes. Understand...
by Ed Hinerman | Feb 19, 2009 | A1c, diabetes, heart disease, high blood pressure, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
To be honest there is good news and bad news. The bad news is that those life insurance companies who are “diabetic friendly” are in fact very “Ltd”….limited. The good news is that there are a handful of companies that are very fair and...
by Ed Hinerman | Jan 31, 2009 | cancer, children's life insurance, diabetes, epilepsy, insurance, life insurance, Type 1 diabetes
The whole subject of life insurance on children has a certain “yuk” factor that comes with it. Parents, even those who would be hard pressed to deal financially with the loss of a child, would really prefer not to talk about it. I would like to throw out...
by Ed Hinerman | Jan 29, 2009 | diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
I was given a preview of some upcoming changes in diabetes, both type 1 and type 2, life insurance underwriting yesterday. This could open a whole new chapter for some folks that have been shut out due to the high cost or not even being considered based on the type of...
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 | Nov 20, 2008 | diabetes, heart disease, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes
We’ve been hitting them out of the park on type 2 diabetes underwriting for quite some time, but that pot at the end of the rainbow, fair underwriting for type 1 diabetes, that we never have been able to get to is finally coming within reach. Given certain...
by Ed Hinerman | Oct 6, 2008 | decline, diabetes, Independent agent, insurance, Type 1 diabetes, Type 2 diabetes
Talk about a topic that has changed with the wind over the years, diabetes underwriting would be that animal. There was a time not all that long ago, at least if you’re my age, that diabetes was treated by most companies with a swift decline and by the few that...
by Ed Hinerman | Sep 8, 2008 | diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
To me it is amazing the number of people with type 1 diabetes and type 2 diabetes who not only can’t tell you what their last hbA1c level was, but honestly don’t know what I am referring to when I am gathering information vital for finding them the best...
by Ed Hinerman | May 28, 2008 | Anxiety, bipolar disorder, Depression, diabetes, heart attack, heart disease, hepatitis, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
There must be a couple of million people in the US licensed to sell life insurance. If you take in the giant internet mega agencies, all of the independent agents, and all of the captive agents (work for just one company), the possibilities for purchasing life...
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