by Ed Hinerman | Jul 12, 2023 | diabetes, insurance, life insurance
It’s been 10 years since I wrote this post. A lot has changed in how life insurance companies view gestational diabetes. Some worse and some in the right direction. I hope bringing this up to date will be helpful. All the best. What’s The Fuss Over...
by Ed Hinerman | Aug 22, 2013 | A1c, approval, compliance, diabetes, insurance, life insurance, Type 1 diabetes
I love it when companies finally make forward progress in life insurance underwriting of well controlled health issues. What I can’t work with is when they get weak kneed a year later and throw all the engines in reverse. We’ve been through that kind of...
by Ed Hinerman | May 13, 2013 | A1c, blood pressure, cancer, impaired risk life insurance, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
Not everything that goes on in our medical lives is memorable. If our blood pressure is always in the normal range more than likely we are going to remember our last blood pressure reading. Unless I was deathly ill there is no way that I would remember what my...
by Ed Hinerman | Jul 16, 2012 | diabetes, impaired risk life insurance, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
I feel like one of those people who puts tacks in a map every time they visit another state. I am literally sticking pins in the type 1 diabetes life insurance approval map and the number of areas where we are getting approvals is growing every few weeks. As covered...
by Ed Hinerman | Jun 6, 2012 | A1c, diabetes, insurance, life insurance, life insurance approval, Type 1 diabetes
I’ve talked often about the fact that easily 99% of life insurance companies underwrite by the book, the underwriting manual, and for most of them it hasn’t changed since we only had 49 states. If the word bipolar is on the application you are declined....
by Ed Hinerman | Jun 5, 2012 | diabetes, impaired risk life insurance, insurance, life insurance, Type 1 diabetes
It’s what we’re all looking for, right? The path of least resistance. I know whenever I can I would prefer to do as little as possible and, really, honestly, I would kind of like instant gratification. Hey it leaves more time for the fun stuff. Getting...
by Ed Hinerman | May 21, 2012 | blood pressure, cancer, diabetes, insurance, life insurance, obesity
I know there’s a point where a lot of people won’t even bother looking into life insurance anymore. They figure they’ve messed the picture up bad enough that there really isn’t any need to waste time donating blood and waiting 3 or 4 weeks to...
by Ed Hinerman | Dec 16, 2011 | A1c, cholesterol, Depression, diabetes, insurance, life insurance
On the subject of fair life insurance underwriting I can certainly be found on both sides of he fence. Sometimes I think the underwriting consideration is completely fair, something that based on the information is something the client is just going to have to accept....
by Ed Hinerman | Oct 4, 2011 | American Diabetes Association, diabetes, insurance, life insurance
When I think of what I would want from the American Diabetes Association as a person with diabetes, I’m left wondering if they are anywhere near the advocacy group they claim they are. I go to their website and the first and most prevalent topic I find is how to...
by Ed Hinerman | Feb 22, 2011 | diabetes, insurance, life insurance, senior life insurance
I was playing with my granddaughter over the weekend. There’s probably nothing she likes better than being chased and I forget how clumsy I can be. Anyway, I tripped a bruised a rib and as we all know there isn’t anything you can do about that except try...
by Ed Hinerman | Jan 21, 2011 | insurance, life insurance, stroke
Every year or two I like to share with you about the cost of procrastinating, foot dragging, not pulling the trigger……..putting off buying the life insurance that you know you should have. LIMRA says that there are about 35 million adults in our country...
by Ed Hinerman | Jan 5, 2011 | decline, insurance, life insurance
I’ve always said that a life insurance decline is really not a bad place to start. Obviously it’s more fun to get approved at the best rate the first time around, but most of my clients come to me because they have health issues. They call or email because...
by Ed Hinerman | Dec 28, 2010 | insurance, life insurance, obesity, Prudential
Now that the results are in and we’ve quietly sneaked on and quickly back off of the scales, let’s talk about what that number means in the world of life insurance. Whether it’s just extra pounds or obesity life insurance is available and at...
by Ed Hinerman | Dec 21, 2010 | cancer, life insurance, smoking
I was reading an article on MSN Health yesterday about how to talk to your doctor. It struck me that the same things would hold true for how to talk to a life insurance (or health insurance) agent. It also reminded me of previous posts where I’ve talked about...
by Ed Hinerman | Dec 21, 2010 | cpap, insurance, life insurance, Sleep apnea
Plenty of people have experienced the nightmare of applying for life insurance after having been diagnosed with sleep apnea. Many companies treat you as if you really are going to quit breathing and not start again. I can argue both sides of this issue, but suffice it...
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