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 | Dec 19, 2008 | cancer, cigar smokers, diabetes, heart disease, Independent agent, insurance, life insurance, smoking, Type 2 diabetes
One of the biggest life insurance rate hits is for those who smoke. There is some logic to that given the link between cigarette smoking and cancer and heart disease, but are the underwriters throwing apples and oranges in the same basket and assuming they all taste...
by Ed Hinerman | Dec 14, 2008 | blood pressure, diabetes, heart attack, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, stroke, Type 2 diabetes
Today would be no exception to my rule that men really don’t see a world that has consequences until they are old enough that they see the consequences happening to others their own age, or even to themselves. I spent part of yesterday evening in the emergency...
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 31, 2008 | decline, diabetes, heart disease, obesity, Type 2 diabetes
Type 2 diabetes is one of those anomalies, like obesity (which happens to be the leading cause), where there seems to be an aversion to calling it what it is, an epidemic. It reminds me a bit of the economic situation in our country and the aversion to using the word...
by Ed Hinerman | Oct 28, 2008 | COPD, diabetes, heart attack, insurance, life insurance, obesity, smoking, term insurance, Type 2 diabetes
photo credit: Mykl Roventine Life insurance rates for those that smoke cigarettes, depending on the company and any additional risk factors, can run anywhere from two to four times higher than a comparable non smoker. What particularly drives underwriters crazy are...
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 | Aug 16, 2008 | diabetes, gastric bypass, heart disease, insurance, life insurance, obesity, Type 2 diabetes
In previous posts I have touched on studies that have shown that the dramatic weight loss provided by gastric bypass surgery has proven to have much more value than just a matter of convenience in losing weight. With the primary risk factor for type 2 diabetes being...
by Ed Hinerman | Aug 1, 2008 | cholesterol, diabetes, high blood pressure, Independent agent, insurance, life insurance, Type 2 diabetes
For a long time in the medical and life insurance communities there has been a definition of when someone has diabetes as opposed to being pre-diabetic. The problem has been that doctors had clear courses of action they could take when confronted with a diagnosis of...
by Ed Hinerman | Jul 22, 2008 | diabetes, insurance, life insurance, obesity, Type 2 diabetes
When I was helping out after Hurricane Rita in Mississippi, I got to experience, first hand, southern hospitality and also the gateway to obesity, down home southern cooking. The only thing that saved me from coming back from that trip 25 pounds heavier was the fact...
by Ed Hinerman | Jun 16, 2008 | coronary artery disease (CAD), diabetes, high blood pressure, insurance, life insurance, Type 2 diabetes
For just about any health issue there is a “sweet spot” for life insurance underwriting, that place where all of the pluses overcome the minuses and a better than usual approval is received. This is especially true of underwriting guidelines for type 2...
by Ed Hinerman | Jun 7, 2008 | diabetes, heart disease, insurance, life insurance, stroke, Type 2 diabetes
I have written in the past about life insurance underwriting on type 2 diabetes and also on heart disease. I think I have been very clear about the fact that life insurance underwriters are adamant about good control of diabetes and also we’ve discussed the...
by Ed Hinerman | Jun 5, 2008 | cancer, diabetes, heart disease, Independent agent, insurance, life insurance, obesity, Type 2 diabetes
Everyone believes they should get the preferred plus rates that are advertised everywhere. “Di you know that John can have $500,000 of term life insurance for just $12 per month?”. The truth is that many qualify for those rates and get them, but for the...
by Ed Hinerman | May 28, 2008 | bait and switch, diabetes, insurance, life insurance, term insurance, Type 2 diabetes
In my last post I hope I made a clear distinction between a life insurance agent who is qualified to handle cases that involve health issues, and those who really shouldn’t play with sharp objects. At the end I alluded to the definitive way to separate the two...
Recent Comments