by Ed Hinerman | Sep 3, 2013 | A1c, diabetes, insurance, insurance quotes, life insurance, life insurance approval
One of my pet peeves with life insurance companies is that some are too slow and some are way too fast at issuing life insurance policies once approved. And why would I be whining about companies that move that paperwork right out the door? If the policy is approved...
by Ed Hinerman | Aug 29, 2013 | approval, bipolar, bipolar disorder, insurance, life insurance, life insurance approval
For as long as I’ve been writing about and helping people get a fair shake on life insurance with mood disorders, among those requirements for the best rates has been stability. Mood disorders that aren’t well controlled can ruin careers and marriages....
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 | Aug 24, 2013 | cancer, COPD, final expense life insurance, guaranteed issue life insurance, insurance, life insurance, mortality risk
For a lot of clients that fall outside of the traditional life insurance companies approval guidelines the only option if Guaranteed Issue Life Insurance. I used to have a carrier that I could go to for quotes on guaranteed issue but after about 3 years it became...
by Ed Hinerman | Aug 22, 2013 | A1c, approval, compliance, diabetes, insurance, life insurance, Type 1 diabetes
I love it when companies finally make forward progress in life insurance underwriting of well controlled health issues. What I can’t work with is when they get weak kneed a year later and throw all the engines in reverse. We’ve been through that kind of...
by Ed Hinerman | Aug 21, 2013 | Anxiety, approval, assumptions, bipolar disorder, CEO life insurance, Depression, insurance, life insurance, life insurance approval, life insurance claim
While I believe it would be characterized as mild, there seems to be quite a bit of evidence pointing to the fact that most life insurance companies have gone through a manic period of underwriting mood disorders. For the past several years depression, anxiety and...
by Ed Hinerman | Aug 20, 2013 | conversion, Conversion to a permanent product, customer service, death benefit, guarantee, guaranteed level premium, insurance, life insurance, Protective Life
OK. So I’m starting from a place of disliking Protective Life with a passion. In my career I have never seen a company that has consistently and persistently screwed their customers more than Protective Life along with all of the other companies it has managed...
by Ed Hinerman | Aug 20, 2013 | AIG, application process, customer service, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
There are some trends in the life insurance industry that occasionally make me wonder if we are glimpsing the future of the business, or are we already there? If life insurance companies could figure out how to get as much business without the use of commission paid...
by Ed Hinerman | Aug 14, 2013 | A1c, approval, BMI, impaired risk life insurance, insurance, life insurance, life insurance approval, mortality, mortality risk
As related in a post yesterday which was a follow up on a previous post concerning the American General use of the CRL Labs Smart Score methodology for underwriting, I have breaking developments. After being rebuffed by CRL, being told that they couldn’t tell me...
by Ed Hinerman | Aug 13, 2013 | application process, approval, decline, diabetes, insurance, life insurance, mortality risk
Not too long ago I went off on American General for using the CRL laboratories smart score system as justification for declining a client. Since then I have been on somewhat of a quest searching for just what the smart score is and more precisely how it is supposed to...
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