by Ed Hinerman | Jun 30, 2012 | basal cell carcinoma, cancer, insurance, life insurance, life insurance approval, melanoma, squamous cell carcinoma
With the majority of skin cancer being basal cell carcinoma and squamous cell carcinoma, both almost underwriting non issues unless there have been multiple instances, the challenge lies mostly under the melanoma heading. As I’ve stated with so many other types...
by Ed Hinerman | Jan 28, 2012 | basal cell carcinoma, cancer, decline, insurance, life insurance, melanoma
I got a call yesterday from a woman who had just been declined for a new life insurance because she had two melanomas in the last 11 years. After the second melanoma she decided she was a little more mortal than she had originally figured and wanted to increase her...
by Ed Hinerman | Aug 11, 2011 | basal cell carcinoma, insurance, life insurance, melanoma, squamous cell carcinoma
What a summer, huh? I heard on the news the other day that somewhere in Oklahoma had set a new all time record high for any state over a full month. We’re talking hotter than Arizona!! I’m pretty blessed to live at 7000′ in Colorado where yesterday...
by Ed Hinerman | Mar 23, 2011 | basal cell carcinoma, insurance, life insurance, melanoma
I love to golf. There are very few things that carry that same feeling as a well hit drive or sinking a long putt (or for me not missing a short one), but when we can get a case approved at better than standard rates for someone with a history of melanoma, well,...
by Ed Hinerman | Sep 1, 2010 | cancer, insurance, life insurance
With almost all life insurance underwriting in relation to someone with a history of cancer there will be a waiting period after the completion of treatment before a company will approve a policy. The only exception to that rule that I can think of would be the two...
by Ed Hinerman | Nov 12, 2009 | insurance, life insurance, melanoma
The most common type of cancer among men and women is skin cancer. By far the majority of those cases are rarely life threatening types like basal cell carcinoma or squamous cell carcinoma. The least common of the three is the most feared and has one of the highest...
by Ed Hinerman | Jun 23, 2009 | basal cell carcinoma, insurance, life insurance, melanoma, squamous cell carcinoma
There is skin cancer, the most common cancer in the United States with over one million cases annually. Not to trivialize, but most of those cases are basal cell or squamous cell carcinoma and are generally easily and successfully treated. It is the third in the trio...
by Ed Hinerman | Jul 29, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
Skin cancer is the most common cancer among both men and women in the US. Life insurance underwriters have shown a lot of movement on their underwriting guidelines for skin cancer over the past several years. Unfortunately, until recently, it didn’t seem to be...
by Ed Hinerman | Jul 11, 2008 | basal cell carcinoma, cancer, insurance, life insurance, melanoma, squamous cell carcinoma
In my experience it is the guys in this world that not the brightest lights on the block when it comes to preventive measures like using sunscreen, wearing hats and not overexposing themselves to the sun. I would put my money on men to be the first sex to be...
by Ed Hinerman | May 28, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
The word cancer used in reference to anything to do with life insurance usually conjures up visions of declines and huge rates. In that regard skin cancer is something of a different animal. Skin cancer is the most common cancer in both men and women, mostly thanks to...
by Ed Hinerman | Jan 4, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
If you’ve been around life insurance long enough you begin to see that there are companies whose underwriting guidelines kind of float on the breeze and then there are those who truly do their homework and strive to make reasonable decisions. I have commented in...
by Ed Hinerman | Aug 7, 2007 | basal cell carcinoma, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
While it may be too late for those of us who grew up in the 50’s and 60’s, wearing our sunburns with pride, using sunscreen can certainly cut down on future cases of skin cancer. We have gone over the life insurance underwriting differences of the three...
by Ed Hinerman | Jul 21, 2007 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
Skin cancer is probably one of the most common forms of cancer, especially here in the sunny southwest and growing up in the Rocky mountains as I did with very little between us and the sun’s UV rays. Sunscreen didn’t show up on the scene until I was in my...
by Ed Hinerman | Jul 2, 2007 | basal cell carcinoma, cancer, insurance, life insurance, private pilots, squamous cell carcinoma
Life insurance giant AIG, American General led the way for years in offering the best deals for private pilots looking for life insurance. They took over the market and dominated for several years……and then they bailed. From my perspective it looked like...
by Ed Hinerman | Apr 14, 2007 | basal cell carcinoma, cancer, Independent agent, insurance, insurance quotes, life insurance, melanoma, squamous cell carcinoma
The various skins cancers and the way in which they are viewed by life insurance underwriters continues to evolve. The three primary skin cancers are basal cell carcinoma, squamous cell carcinoma and melanoma. Not even five years ago it was a given that basal cell...
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