by Ed Hinerman | Feb 26, 2023 | insurance, life insurance, pilot, private pilots, student pilot
Wouldn’t that be nice? Kind of like the Progressive commercials where every kind of insurance is in a separate box. “Here’s your perfect private pilot life insurance. Will that be all today?” Does Your Life Insurance Agent Really Understand...
by Ed Hinerman | Oct 12, 2011 | blood pressure, cholesterol, insurance, life insurance
It’s been a long time since most insurance made any kind of fuss over being treated for cholesterol. As long as it was well controlled you could count on best rate class approvals. Now companies have jumped on the cholesterol ratio band wagon and are allowing...
by Ed Hinerman | Jun 2, 2011 | cholesterol, insurance, life insurance, pilot, private pilots
I get industry updates almost daily when companies believe they have a niche that is going to the the magic bullet for a client. Sometimes I wonder if anyone really thinks it through before they yell, “Hey, look at us!” I’m a big fan of United of...
by Ed Hinerman | Oct 23, 2010 | insurance, life insurance, Sleep apnea
It wasn’t all that long ago that life insurance underwriters would automatically table rate any sleep apnea, obviously having a problem wrapping their minds around the fact that the client would quit breathing several, if not a lot of times every night. The real...
by Ed Hinerman | Oct 13, 2010 | Anxiety, insurance, life insurance
In a post some years ago I was talking about underwriting of mild mood disorders and made a flip comment that it seemed about time that underwriters take another look since most of America and likely most of them were on Prozac or Zoloft or Wellbutrin. Well, I’m...
by Ed Hinerman | Sep 30, 2010 | diabetes, insurance, life insurance, over 50 life insurance, senior life insurance
Preferred plus life insurance rates and type 2 diabetes are rarely used in the same sentence except possibly in the context of “Your chances of getting preferred plus rates with type 2 diabetes are slim to none”. That was until last year when ING Reliastar...
by Ed Hinerman | Jul 29, 2010 | Anxiety, Depression, insurance, life insurance
Situational mood disorders such as stress related anxiety or depression are something that probably all of us have gone through at one point or another. We all fall into one of three groups in this area, 1. Those who muddle their way through and are able to get back...
by Ed Hinerman | Jun 4, 2010 | blood pressure, cholesterol, insurance, life insurance
That’s a life insurance question that’s easy to quantify in numbers. At age 57 if I wanted $500,000 of 20 year term insurance and I qualified for the best rate class, preferred plus, I could expect to pay $1840 annually, about $161 a month. If for some...
by Ed Hinerman | Mar 4, 2010 | Anxiety, insurance, life insurance
Depression is one of those life insurance issues I’ve been hearing about forever. Anxiety, on the other hand, was something I rarely heard about 10 years ago and today it seems anxiety treatment is almost as common as cholesterol treatment. I think I get that....
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 | 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 28, 2010 | insurance, life insurance, private pilots
So many life insurance companies have come so close, but none have ever stepped off the edge and done it. Preferred plus rates with no extra charge for private pilots who don’t have an instrument rating. ING Reliastar came out with their preferred plus and a...
by Ed Hinerman | Jul 22, 2009 | diabetes, insurance, life insurance, Type 2 diabetes
On occasion a life insurance company will pick a place to make a stand and leave the rest of the industry behind. Companies like Prudential come to mind when they approve tobacco use, other than cigarettes, at non smoking rates even with daily use. So, while many...
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