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 19, 2010 | heart attack, insurance, life insurance
I know for me that I consider daylight savings time to be a personal attack on my well being, and now there are studies to back it up. There has always been an acknowledged link between sleep deprivation and heart attacks, so it really wasn’t rocket science when...
by Ed Hinerman | Feb 4, 2010 | insurance, life insurance, Sleep apnea
We’ve leaned on Prudential for quite some time for the best underwriting on sleep apnea. Now ING Reliastar has decided they want a piece of that risk pool also. Generally most companies will underwrite mild to moderate obstructive sleep apnea in the standard to...
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 | Dec 30, 2009 | insurance, life insurance, obesity, Sleep apnea
I was working with a client on quotes the other day and he was telling me about a friend who had decided not to even pursue life insurance because he was convinced that he was probably not insurable. You know it’s kind of like that old saying, “The only...
by Ed Hinerman | Dec 14, 2009 | gastric bypass, insurance, life insurance
The standard guideline for life insurance underwriting of gastric bypass surgery has generally been two years out from surgery and one year of weight stability. In other words most companies don’t really want to participate in your mortality post surgery,...
by Ed Hinerman | Nov 30, 2009 | gastric bypass, insurance, life insurance
I’m often asked whether being declined for insurance, or highly rated, will influence how another company looks at a new application. The answer is truly an emphatic NO! Each company has their own underwriting criteria and their own philosophy and their medical...
by Ed Hinerman | Nov 30, 2009 | insurance, life insurance, obesity
Like smoking, another issue that gets a lot of interest in life insurance but very little follow through, is weight. I’ve offered several posts concerning companies that will underwrite obesity at fair rates. I’ve also mentioned frequently that what is...
by Ed Hinerman | Nov 10, 2009 | insurance, life insurance, Sleep apnea
Of course the reason snoring is a life insurance underwriting issue is because someone may put a pillow over your head and hold it there until the noise stops. Seriously though, if that snoring is driven by sleep apnea, depending on the company you may get a brief...
by Ed Hinerman | Oct 30, 2009 | insurance, life insurance, obesity
There is a common misconception, especially among those who have pretty extreme weight issues, that life insurance simply isn’t available. With most, but not all, companies they would be right. Obesity carries with it a lot of mortality baggage that most...
by Ed Hinerman | Sep 28, 2009 | gastric bypass, insurance, life insurance
We just wrapped up a life insurance application with a successful approval at a standard rate class, the best we could have hoped for even in the absence of the bypass history. We have been dog determined to point out through this forum that the social stigma and...
by Ed Hinerman | Sep 22, 2009 | insurance, life insurance, obesity
I had a client just recently who works for State Farm as a claims adjuster and was declined for life insurance by to them due to his obesity. He’s 6’1, 415 pounds. I shouldn’t get down on State Farm over this since by most life insurance company...
by Ed Hinerman | Aug 19, 2009 | insurance, life insurance, Sleep apnea
While we’ve been very successful in placing best rate class life insurance for those with mild to moderate sleep apnea, that shouldn’t be confused with a lack of risk with the disorder. The way to those best class rates starts with mild to moderate apnea,...
by Ed Hinerman | Jul 18, 2009 | angioplasty, heart attack, heart disease, insurance, life insurance
It’s amazing how a heart attack or a visit to the ER with chest pain can make you consider mortality. Even when you come away with a quick fix like a stent, life just seems a bit more fragile. So how do life insurance underwriters view cardiac issues? Can you...
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