by Ed Hinerman | Feb 17, 2009 | basal cell carcinoma, blood pressure, cancer, cholesterol, diabetes, DUI, insurance, life insurance, private pilots, scuba diving, skydiving, smoking
I’m often asked, after the fact, what it takes to get the best life insurance rates. While I would be hard pressed to cover everything that could be hiding in your medical records, I can provide a general rundown based on the exam, labs, family and personal...
by Ed Hinerman | Feb 14, 2009 | bait and switch, blood pressure, cholesterol, diabetes, heart disease, high blood pressure, insurance, insurance quotes, life insurance
Just for minute let’s pretend this wild scenario could happen. You talk to two life insurance agents and tell them both the same health information. One gives you a quote that your life insurance policy will cost $1000 a year and the other says it will cost...
by Ed Hinerman | Jan 28, 2009 | cancer, cholesterol, heart disease, insurance, life insurance, mortality, smoking
2001 brought good news for the insurance industry and the consumers of that industry as the new CSO (Commissioner’s Standard Ordinary) 2001 mortality table was released and put into use in determining life insurance rates. By the way, if you haven’t poked...
by Ed Hinerman | Jan 13, 2009 | cholesterol, insurance, life insurance
I have been detailing an ongoing discussion between myself and ING Reliastar chief underwriter Diane Gill concerning a client who she claimed, due to his cholesterol of 253 and cholesterol ratio of 5.13, did not meet their criteria for their preferred rate class. I...
by Ed Hinerman | Jan 11, 2009 | blood pressure, cholesterol, insurance, life insurance
I mentioned the other day that I was doing battle with a company on their decision to bump a client one rate class because they say he doesn’t meet their underwriting criteria. This will give you a bit of insight into underwriting logic. It kind of falls in the...
by Ed Hinerman | Dec 30, 2008 | blood pressure, cholesterol, Independent agent, insurance, life insurance
As life insurance agents we are provided with a set of underwriting guidelines for each company we represent. It tells us, rate class by rate class, what cholesterol, build, blood pressure, family history and so on are acceptable. In the good old days which ended a...
by Ed Hinerman | Dec 29, 2008 | blood pressure, breast cancer, cancer, cholesterol, diabetes, obesity, Type 2 diabetes
In reviewing my last post concerning some of the changes in underwriting of life insurance that occurred in 2008, I found some parallels between that and some of the most significant medical breakthroughs of the year. Could it be that underwriters are doing their...
by Ed Hinerman | Dec 16, 2008 | cancer, cholesterol, Depression, heart disease, insurance, life insurance
The long standing argument about how much cholesterol is the right amount rages on. For one of my clients it rages on a front that we rarely see. This person has a total cholesterol level of 87. It has been drilled in to most of us that the other end of the spectrum,...
by Ed Hinerman | Nov 25, 2008 | cholesterol, insurance, life insurance, liver functions, no exam, PSA, smoking, term insurance
With very few exceptions life insurance applications are accompanied by a physical exam and blood and urine tests. Occasionally the issue of a blood draw can complicate things with people whose veins are hard to find or those that are just plain freaked out by...
by Ed Hinerman | Nov 17, 2008 | angioplasty, cholesterol, heart attack, insurance, life insurance
There isn’t any question that given the clear choice between suffering a potentially fatal heart attack and having the artery opening procedure called angioplasty, the prudent thing to do is to stack the deck in your favor and open those arteries. But there is a...
by Ed Hinerman | Nov 15, 2008 | Anxiety, bipolar disorder, blood pressure, cholesterol, Depression, diabetes, heart disease, high blood pressure, insurance, life insurance, obesity
Over the years we have offered discussion on how to get the best possible life insurance rates even though your health is less than perfect. The truth is that with perfect health and family history you can probably find good rates at any number of sources and how to...
by Ed Hinerman | Nov 11, 2008 | cholesterol, heart attack, heart disease, insurance, life insurance
A study released this week by Astra Zeneca, makers of the cholesterol lowering drug, Crestor has turned a few heads in both the pro and the con aisle. In a nutshell the study claims that the use of Crestor, or more generically statins, can decrease the risk of heart...
by Ed Hinerman | Nov 10, 2008 | Alcohol Treatment Life Insurance, cancer, cholesterol, diabetes, Drug Treatment Life Insurance, foreign travel, heart attack, heart disease, obesity
They’re the rates you see advertised all the time and they are definitely the rates that everyone would like to be paying for their life insurance coverage. But do you qualify? First let’s dispel with a few old myths. Your age and the amount of insurance...
by Ed Hinerman | Oct 31, 2008 | angioplasty, bypass surgery, cholesterol, diabetes, heart attack, heart disease, Independent agent, insurance, life insurance
For as long as there has been life insurance and heart attacks there has been misinformation about the impact of the event on future ability to obtain the insurance. Two of the most common myths are that 1. If you’ve had a heart attack then you are simply toast...
by Ed Hinerman | Oct 30, 2008 | cholesterol, diabetes, heart attack, insurance, life insurance, PSA, term insurance
But declines happen. I’ve put together a list of the top reasons that applicants are denied coverage. We’ll start out with the first two which were covered in a post yesterday. 1. Your agent did a sloppy job. Sometimes agents slip into a habit of not...
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