by Ed Hinerman | May 18, 2010 | diabetes, heart attack, insurance, life insurance
I know I’ve beat this drum before, but there is a real propensity in the life insurance business for agents to be so protective of a potential sale that they will actually tell a customer they are uninsurable, rather than admit they are the wrong agent for the...
by Ed Hinerman | May 13, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
In a post not too long ago I talked about a case that I had shopped. My email to the various underwriters noted “39 year old male, 5’10, 148, non smoker. Diagnosed type 1 diabetes 2005. Compliant on testing, followup, and treatment. A1c has always been...
by Ed Hinerman | May 11, 2010 | insurance, life insurance, obesity
An often discussed life insurance risk factor in this forum is obesity. There is not shortage of evidence that carrying too much load is hard on your body, taking blame for everything from diabetes to cancer. This is plenty of reason for underwriters to take build...
by Ed Hinerman | Apr 20, 2010 | bipolar, bipolar disorder, insurance, life insurance
I was just doing a double check on underwriting results today and decided to compare how we’ve done in placing policies with clients who have bipolar disorder versus those who have a history of an eating disorder. Now remember we’re talking about life...
by Ed Hinerman | Mar 24, 2010 | A1c, diabetes, insurance, life insurance
Since virtually everyone we work with on life insurance has some kind of health impairment, and since it’s my job to determine how that impairment is going to impact our ability to get affordable life insurance, I depend a lot on people knowing the facts about...
by Ed Hinerman | Mar 22, 2010 | AARP, diabetes, insurance, life insurance
When I think advocate, I think, “Yes, someone who can help take some of this weight off of me. Someone who has the experience and the knowledge to get me through this”. I remember sharing my experience with the ADA, American Diabetes Association, a few...
by Ed Hinerman | Mar 16, 2010 | gastric bypass, insurance, life insurance, obesity
America has spent trillions of dollars monitoring, spying on and fighting enemies abroad since its’ inception. Now it would appear that we are being overtaken from the inside, not by armed terrorists, but by fat. Obesity is out to kick our behinds. Now...
by Ed Hinerman | Feb 22, 2010 | diabetes, insurance, life insurance
Just when you think you can count on the life insurance underwriting guidelines, Glaxo SmithKline’s Avandia, becomes a curve ball that no one is sure how to handle. Two US Senators released a confidential study that insinuates a strong link between Avandia and...
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 | insurance, life insurance, private pilots
As noted last week a major A+ rated life insurance company has broken into uncharted waters by offering preferred plus (best rate class) rates for private pilots that are not instrument rated. And that’s just the tip of the good news iceberg. It gets even better...
by Ed Hinerman | Jan 22, 2010 | diabetes, insurance, life insurance, Type 2 diabetes
I was considering just re-posting some old information about life insurance underwriting of diabetes, but let’s just hash our way through it. There is new information and new opportunities that wouldn’t have been there even a year ago. Let’s save...
by Ed Hinerman | Jan 18, 2010 | Biggest Loser, insurance, life insurance, obesity
The NBC reality show Biggest Loser has kicked off another season and another chance to drive home to our country just how out of control obesity is and, well, how much work it takes to overcome it once you’ve lost control. I haven’t watched the show since...
by Ed Hinerman | Jan 16, 2010 | heart attack, insurance, life insurance
Part of the life insurance business is helping clients understand that companies weigh the mortality risk of each client, and the higher the risk, the higher the premium. I’m often asked by, say, someone who has experienced a heart attack, why the insurance...
by Ed Hinerman | Jan 14, 2010 | Anxiety, insurance, life insurance
USAA is one of the biggest insurance companies in the country. Their ratings are enviable and their reputation is impeccable, except for one large chink in their armor. They stink at underwriting. Like a lot of large auto and homeowners insurance companies, USAA makes...
by Ed Hinerman | Jan 4, 2010 | A1c, bipolar disorder, insurance, life insurance
There are plenty of people who would argue that 2009 could have been flushed down the toilet and not missed, and my prayers go out to all of those whose lives were derailed by the recession. For those I wish a dramatically better new year. But, when it comes to life...
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