by Ed Hinerman | May 27, 2010 | insurance, life insurance
I’ve heard the excuses for not getting that life insurance bought, and I’ve had plenty of people not return calls because they know their excuses are lame. I want to put it off until I lose a little more weight! I don’t want to apply until I’ve...
by Ed Hinerman | May 6, 2010 | cholesterol, insurance, life insurance
I have a client who is an internal medicine doctor. It is his opinion that the importance of cholesterol levels and their relevance to potential coronary artery disease are overstated. This is problematic for him (and his patients) when it comes to acquiring life...
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 | Mar 5, 2010 | insurance, life insurance, mortality, mortality risk
If there is a common thread through the whole life insurance application/underwriting experience, it’s that those applying tend to underplay their mortality while feeling like underwriters really overplay the whole mortality thing. Life insurance pricing and...
by Ed Hinerman | Mar 2, 2010 | cholesterol, conversion, insurance, life insurance
Of course that questions begs another question. Has common sense ever been a standard of life insurance underwriting? The real answer is yes. Absolutely yes. Before the big changes that came with the shrinking number of reinsurance companies and before we were...
by Ed Hinerman | Feb 15, 2010 | bypass surgery, insurance, life insurance
No, I’m not getting into pet insurance, but I would like to talk about the lack of curiosity people have about their own health. From the simplest of things Americans start out with failing grades, possibly because it’s not taught in schools or possibly...
by Ed Hinerman | Feb 1, 2010 | family history, heart attack, insurance, life insurance
Family history is one of those issues that just isn’t much fun to explain and frankly, from a life insurance underwriting standpoint, is a little hard to make a mortality risk case for more often than not. Now I’ll give the actuaries the benefit of the...
by Ed Hinerman | Jan 5, 2010 | insurance, life insurance
I wrote a post sometime back about an experience that a now client of mine had with Selectquote. In a nutshell they gave him a quote and then after he had taken his exam they changed the quote, not based on the exam but on information they already had. They then told...
by Ed Hinerman | Dec 28, 2009 | cholesterol, HDL, insurance, life insurance
Life insurance underwriting is kind of like sand dunes. You can take a picture at the beginning of a year and it can be absolutely clear where every grain of sand lies. The exact same picture taken at the end of the year could easily have been taken on another planet....
by Ed Hinerman | Oct 20, 2009 | insurance, life insurance
We got a preferred rate approval on a client today. This is a client who had come to me after feeling, well, jerked around and lied to by Selectquote. The Selectquote agent who worked with this client was all about banging out an approval and moving on to the next...
by Ed Hinerman | Oct 15, 2009 | heart attack, high blood pressure, insurance, life insurance
Sometimes when I ask the medical questions that are part of the first interview with prospective life insurance clients I get the feeling that I should have gone through them twice, or three times. Each time I should say something like, “Now when I go through...
by Ed Hinerman | Oct 14, 2009 | cholesterol, insurance, life insurance
Ahh, the less than perfect approval on your life insurance application. The temptation to take your bat and ball and go home and never play again. The desire to get back back at the company by not purchasing life insurance and not providing protection for your family....
by Ed Hinerman | Oct 14, 2009 | family history, insurance, life insurance
There used to be a lot of companies that had published crediting systems that they would use to determine the final underwriting outcome of a life insurance application. Credits could be earned by anything from exceptional, as opposed to just satisfactory, lab...
by Ed Hinerman | Oct 1, 2009 | cholesterol, insurance, life insurance
You’re applying for life insurance and they just sucked your blood and made you pee in a cup. You deserve to know what they know and there is no better way to do that than to request a copy of your labs. I have long like the proactive approach that West Coast...
by Ed Hinerman | Aug 6, 2009 | cholesterol, high blood pressure, insurance, life insurance
I am beginning to believe that our little mountain town here in one of the healthiest states according to several studies, is home to a bunch of closet cholesterol snarfers. I know you don’t really snarf cholesterol, but I also know that if you do the typical...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
Recent Comments