by Ed Hinerman | Feb 26, 2010 | heart disease, insurance, life insurance
I’m always on the hunt for innovative underwriting. I like to find those nuggets when a company finally has an “aha” moment and decides that, for instance, maybe there’s some slack that can be applied to family history without risking the risk...
by Ed Hinerman | Feb 5, 2010 | insurance, life insurance, private pilots, Sleep apnea
There is a tendency for people to just hold on to life insurance once it is in force, even when opportunities to improve on the rate or the term length come up. Most often this happens when their isn’t a servicing agent around to find the better deals and...
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 23, 2010 | insurance, life insurance
Medical records should be an accurate account of each visit, test or procedure and nothing else…emphasis on accurate. The problem is that there really is no appreciation in the medical business for just how much damage can be done from medical record inaccuracy....
by Ed Hinerman | Jan 20, 2010 | family history, insurance, life insurance
I just spoke with a prospective client who applied for a term life insurance policy through a friend of a friend….He had been to my site before but had decided to give this agent a try. His only issue is that a parent died from cancer at age 59. With the...
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 | Aug 17, 2009 | insurance, life insurance, term insurance
I can’t tell you the number of times that I’ve been asked, when a client is facing an increased life insurance rate due to some health issue, why the insurance company doesn’t take into account all the positive things they have going on in their...
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...
by Ed Hinerman | Jun 9, 2009 | insurance, life insurance
I’ve often written in the past about the value, actually the necessity of getting trial offers on any case that doesn’t fit into cookie cutter underwriting guideline molds for life insurance. And frankly, unless the mold it is already in is the best rate...
by Ed Hinerman | May 13, 2009 | family history, insurance, life insurance, mortality, mortality risk, smoking
If anyone out there is suffering from the illusion that your medical records are accurate, let me clue you in. The chance that your records contain substantive errors is about 75%. The chance that your records are error free is within the margin of error for 0%....
by Ed Hinerman | May 4, 2009 | Banner Life, breast cancer, cancer, diabetes, family history, heart disease, Independent agent, insurance, life insurance, stroke
When I do an on the phone interview with a potential life insurance client I ask a series of medical questions that help me to decide the appropriate rate classification to quote. Part of the application process, whether it is done with your agent or with the examiner...
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