by Ed Hinerman | Jun 28, 2013 | insurance, life insurance, life insurance approval, pilot, private pilots
With nearly a quarter of my clients being commercial and private pilots I thought I had worked my way through all of the obvious mistakes in pilot life insurance underwriting, but I missed one this week. In the end no harm, no foul as I can move it to another company...
by Ed Hinerman | Mar 30, 2012 | Attention Deficit Disorder, bipolar disorder, cancer, coronary artery disease (CAD), cpap, impaired risk life insurance, insurance, life insurance, melanoma, over 50 life insurance
It’s barely been a month since one of our highest rated carriers announced huge breakthroughs on cancer life insurance underwriting. With some cancers they did away with the one year waiting period post treatment, instead opting for a more aggressive approval...
by Ed Hinerman | Jan 19, 2012 | Anxiety, bipolar disorder, cholesterol, Depression, high blood pressure, insurance, life insurance
As I come to grips with the fact that I am going to have to switch from Windows XP to Windows 7 and from Outlook Express to Outlook, I am a bit stressed. To bring you up to speed on the kind of stress I am going through, I wrote this post this morning. Because I am...
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 17, 2011 | basal cell carcinoma, cancer, insurance, life insurance, melanoma
Talk about a health issue that’s been around the block several times and every time something new pops up. Skin cancer is it! We’ve seen great strides in underwriting melanoma with a recent approval at standard plus rates just four months out from...
by Ed Hinerman | Oct 12, 2011 | blood pressure, cholesterol, insurance, life insurance
It’s been a long time since most insurance made any kind of fuss over being treated for cholesterol. As long as it was well controlled you could count on best rate class approvals. Now companies have jumped on the cholesterol ratio band wagon and are allowing...
by Ed Hinerman | Aug 31, 2011 | Anxiety, Depression, insurance, life insurance, physicians life insurance
What are there, 300 million plus a few people in the United States now? And the best guess I found is that 10’s of millions have mood disorders to one degree or another. Personally I think that may be an understatement. Tens of millions treated and untreated? 1...
by Ed Hinerman | Aug 8, 2011 | Anxiety, Attention Deficit Disorder, Depression, insurance, life insurance
When i see how some life insurance underwriters treat clients with generalized anxiety, often offering standard rate or worse approvals, I wonder if they’re living in the same country as the rest of us. USA could easily stand for the United States of Anxiety...
by Ed Hinerman | Aug 3, 2011 | cholesterol, HDL, insurance, life insurance
Just when you have everything comfortably figured out some scientist or doctor or study throws a curve ball at you. Cholesterol was something we all finally got. We knew that if our cholesterol was 200 or under and our LDL, HDL and triglycerides were in the...
by Ed Hinerman | Oct 20, 2010 | bipolar disorder, insurance, life insurance, mortality risk
I’ve been specializing in “impaired risk” life insurance cases for the past 13 years and often find that people are confused about the term. They can get their mind wrapped around the idea that they have an impairment, but when you add the word risk...
by Ed Hinerman | Sep 14, 2010 | insurance, life insurance, pilot, private pilots
Prudential has always been somewhat aviation life insurance friendly, not always leading the way, but always in the mix for fair underwriting and good rates. It now appears they are making a serious move to capture more of the life insurance market Changes have been...
by Ed Hinerman | Aug 23, 2010 | insurance, life insurance, obesity
Obesity has always been a life insurance underwriting challenge. Companies are keenly aware that while weight may not kill you, it dramatically increases your risk of everything from heart disease to cancer. The explosion in type 2 diabetes worldwide can be directly...
by Ed Hinerman | Aug 21, 2010 | insurance, life insurance, liver functions
Liver function tests have been the nemesis of life insurance underwriting for as long as I’ve been in the business and the source of a tremendous number of unfair ratings and declines on applications. Because of a long held leap of assumption that elevated liver...
by Ed Hinerman | Apr 22, 2010 | cholesterol, HDL, insurance, life insurance
For years the underwriting benchmark for life insurance’s best rate class has been a cholesterol ratio of 5.0, 4.5 by some more conservative companies. The cholesterol ratio is determined by dividing total cholesterol by HDL, good cholesterol. For instance,...
by Ed Hinerman | Feb 5, 2010 | insurance, life insurance, private pilots, Sleep apnea
There is a tendency for people to just hold on to life insurance once it is in force, even when opportunities to improve on the rate or the term length come up. Most often this happens when their isn’t a servicing agent around to find the better deals and...
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