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 | Sep 9, 2010 | incontestability, insurance, life insurance, pilot, skydiving
There has always been a stigma attached to life insurance and life insurance companies that they really will do all they can to get out of paying a life insurance claim. People really want, on some level, to believe life insurance companies really don’t pay out...
by Ed Hinerman | Sep 8, 2010 | insurance, life insurance, over 50 life insurance, term insurance, universal life, variable universal life, whole life
I feel a little like the boy that cried wolf and pretty soon no one is listening, but if you have a universal life, variable universal life, indexed universal life or whole life policy, the wolf is real and if you ignore it long enough it’s going to mess up your...
by Ed Hinerman | Sep 2, 2010 | insurance, life insurance, suicide clause
I was reading a summary of a case that involved the denial of payment on an accidental death claim where the car accident may have been contributed to, or caused by the insured’s blood alcohol level of .17. Just to be clear, this involved an accidental death and...
by Ed Hinerman | Sep 1, 2010 | cancer, insurance, life insurance
With almost all life insurance underwriting in relation to someone with a history of cancer there will be a waiting period after the completion of treatment before a company will approve a policy. The only exception to that rule that I can think of would be the two...
by Ed Hinerman | Aug 31, 2010 | insurance, life insurance
Wow, what a day. I normally can focus on a topic and try to coherently share my thoughts on one life insurance subject or another, but today life is just gobbling up the energy I had set aside for that. Tomorrow, three weeks after my wife’s hysterectomy, we are...
by Ed Hinerman | Aug 27, 2010 | insurance, life insurance, no exam
I am not a big fan of “no exam” life insurance simply because when you are going to lock in 20 or 30 year term insurance it just seems prudent to do an exam and get the best possible rate you can. After a talk with one of my nieces the other day I am ready...
by Ed Hinerman | Aug 26, 2010 | guarantee, insurance, life insurance, universal life
I had to change the top of my drum today. I’ve worn it out over the past two years beat it about all of the absolute crap (forgive me) that insurance companies are trying to pass off to consumers in the form of non guaranteed universal life and whole life...
by Ed Hinerman | Aug 25, 2010 | bipolar, bipolar disorder, insurance, life insurance
It’s been an interesting 3 years working with bipolar clients and at times tripolar life insurance underwriters, but headway has been made and we are successful in filling our clients needs most of the time. The sad thing for me is that getting approvals without...
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