by Ed Hinerman | Oct 4, 2013 | approval, HIV Positive, insurance, life insurance, life insurance approval
I would like to claim that I’ve been waiting on the edge of my seat, holding my breath, watching the horizon and all of those other things that would indicate that I believed we were on the verge of a traditional life insurance breakthrough for HIV positive, but...
by Ed Hinerman | Oct 3, 2013 | HIV Positive, insurance, insurance quotes, life insurance, life insurance approval
Until today I have had to point anyone HIV positive to the guaranteed issue life insurance market. Over the past 15 years we have seen huge strides in the treatment of HIV and with medical advances the ability to fully control it. For those of us who have been around...
by Ed Hinerman | Oct 2, 2013 | insurance, life insurance, life insurance approval, life insurance underwriting, mortality, mortality risk
It wasn’t that long ago that underwriting life insurance consisted of setting the application, exam and medical records next to a big underwriting guide (just my picture), matching up all of the maladies with a long ago predetermined mortality assumption and...
by Ed Hinerman | Sep 30, 2013 | application process, approval, business life insurance, CEO life insurance, insurance, life insurance, over 50 life insurance, stroke, uninsurable
We are a product of our parents and grandparents and I know my Dad was one of those guys who’s goal was to always get it right the first time. Having grown up in that shadow I know that one of my pet peeves is having to do something twice. I like to get it right...
by Ed Hinerman | Sep 26, 2013 | approval, cancer, impaired risk life insurance, insurance, life insurance, life insurance approval, prostate cancer
I’m working on a prostate cancer life insurance case right now that really begs the question, even though the biopsy showed cancer, 13 years of watchful waiting later, is everyone sure that biopsy was accurate? Was it correct? Since the cancer was only seen in...
by Ed Hinerman | Sep 23, 2013 | Attention Deficit Disorder, bipolar disorder, Depression, insurance, life insurance, life insurance approval
I am so glad that a life insurance company came clean with me this last week and admitted that, yes, they had in fact changed their stance on underwriting of bipolar disorder life insurance and other mood disorders as well. They admitted that a case that they had...
by Ed Hinerman | Sep 19, 2013 | abnormal labs, application process, approval, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
We’ve had an ongoing dialog the past month or so about life insurance predictive models or methodologies and how the life insurance industry might embrace and use this new technology to both help clients get better rates and put a more solid floor in...
by Ed Hinerman | Sep 13, 2013 | BMI, impaired risk life insurance, insurance, lab results, life insurance, life insurance approval, mortality, mortality risk
Not long ago I went on a tear about American General’s use of the CRL Lab’s proprietary laboratory analyzing methodology called “Smart Score”. The blasting cap for that little tiff was a case that American General declined, obviously using the Smart Score numbers to...
by Ed Hinerman | Sep 10, 2013 | application process, bait and switch, insurance, insurance quotes, life insurance, life insurance approval, Sleep apnea
I had a potential customer call a few weeks ago and after having gone through all the health questions with him, I let him know that I just needed a little more detail on his sleep apnea in order to shop it for life insurance appropriately. After he told me that he...
by Ed Hinerman | Sep 5, 2013 | application process, compliance, decline, Depression, insurance, life insurance, life insurance approval
There is a tendency with a lot of people to get a little road weary with a long term treatment plan and take off in our own direction. I am guilty as charged of that and just like I advise my clients, I have a little homework to do before I apply for a life insurance...
by Ed Hinerman | Sep 3, 2013 | A1c, diabetes, insurance, insurance quotes, life insurance, life insurance approval
One of my pet peeves with life insurance companies is that some are too slow and some are way too fast at issuing life insurance policies once approved. And why would I be whining about companies that move that paperwork right out the door? If the policy is approved...
by Ed Hinerman | Aug 29, 2013 | approval, bipolar, bipolar disorder, insurance, life insurance, life insurance approval
For as long as I’ve been writing about and helping people get a fair shake on life insurance with mood disorders, among those requirements for the best rates has been stability. Mood disorders that aren’t well controlled can ruin careers and marriages....
by Ed Hinerman | Aug 26, 2013 | approval, cancer, decline, insurance, life insurance, prostate cancer, PSA
All of us guys, and women who are into reading about men’s health, have heard that men are for more likely to die with prostate cancer than from it. So what does that really mean? 1 out of 6 men will be detected with prostate cancer in their lifetime. Most of...
by Ed Hinerman | Aug 24, 2013 | cancer, COPD, final expense life insurance, guaranteed issue life insurance, insurance, life insurance, mortality risk
For a lot of clients that fall outside of the traditional life insurance companies approval guidelines the only option if Guaranteed Issue Life Insurance. I used to have a carrier that I could go to for quotes on guaranteed issue but after about 3 years it became...
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...
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