by Ed Hinerman | Jul 12, 2016 | HIV life insurance, HIV Positive, honesty, insurance, life insurance
Remember that famous book, “The Old Man and the HIV Life Insurance Market”? Yah, me too. But at this point I am considering the fact that the sea may burst forth as fresh water (it’s my poetic license right) before we see fair, consistent...
by Ed Hinerman | Aug 5, 2015 | abnormal labs, approval, bait and switch, bipolar disorder, height and weight, impaired risk life insurance, Independent agent, insurance, lab results, life insurance, lifetime guaranteed UL, medical record acquisition
I just wanted to share a few examples of why it’s important to shop every impaired risk life insurance application for sure and not a bad idea to shop all cases. I’ve beat on this over the years because so many life insurance agents out there are willing...
by Ed Hinerman | Dec 30, 2010 | insurance, life insurance
You have to understand that life insurance agents don’t get paid unless they deliver an approved policy and the policy is paid and put into force. So the lies (incorrect answers) that clients in answer to life insurance application questions generally impact us...
by Ed Hinerman | Mar 13, 2009 | blood pressure, cholesterol, COPD, decline, diabetes, gastric bypass, heart attack, high blood pressure, insurance, life insurance, obesity, smoking, stroke
One of the key life insurance underwriting factors for just about any health or mental health issue is compliance with treatment and avoidance of other risk factors and collateral health issues. Compliance is taking medication prescribed exactly as it’s...
by Ed Hinerman | Oct 28, 2008 | COPD, diabetes, heart attack, insurance, life insurance, obesity, smoking, term insurance, Type 2 diabetes
photo credit: Mykl Roventine Life insurance rates for those that smoke cigarettes, depending on the company and any additional risk factors, can run anywhere from two to four times higher than a comparable non smoker. What particularly drives underwriters crazy are...
by Ed Hinerman | May 22, 2008 | asthma, COPD, heart disease, high blood pressure, hypertension, insurance, life insurance, smoking
I went off a bit on some of the more ridiculous combinations with smoking the other day. Smoking and asthma. Smoking and heart disease, etc. Some guy (blog name Joe Camel (clever)), took some hard swings at the life insurance industry for being so mean to smokers....
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