866.539.7914 info@hinermangroup.com
  • Hinerman Group Blog
  • Request a Consultation
Hinerman Group
  • Life Insurance
    • Life Insurance Options and Features
      • Level Term Life Insurance
      • Universal Life Insurance
      • Whole Life Insurance
      • Return Of Premium Life Insurance
      • Life Insurance Death Benefit Tax Free Status!
      • Life Insurance Without An Exam
      • Can A Life Insurance Decline Or Rating Be Changed?
    • Physical Impairment Life Insurance
      • Asthma Life Insurance
      • HIV Life Insurance
      • Breast Cancer Life Insurance
      • Seizure Disorder Life Insurance
      • Prostate Cancer Life Insurance
      • Diabetes Life Insurance
      • Atrial Fibrillation Life Insurance
      • Skin Cancer Life Insurance
      • Melanoma Life Insurance
      • Heart Disease Life Insurance
      • Obesity Life Insurance
      • Sleep Apnea Life Insurance
      • Family History Life Insurance
    • Business and Estate Life Insurance
      • International Business Life Insurance
      • Partnership Buy/Sell Life Insurance
      • Gifting Life Insurance
      • Business Life Insurance
    • Mental Impairment Life
      Insurance
      • Alcohol Treatment Life Insurance
      • Anxiety and ADD Life Insurance
      • Bipolar Disorder Life Insurance
      • Depression Life Insurance
    • Lifestyle Insurance
      • Pilot Life Insurance
      • Private Pilot Life Insurance
      • Flight Instructor Life Insurance
      • High Limit AD&D Insurance
      • How Soon After I Quit Smoking Can I Get Non-Smoker Rates?
      • Does Cigar Use Affect Life Insurance Rates?
  • FAQs
  • About
  • Contact Us
  • Blog
  • Home
Select Page

Home » Type 1 diabetes

Life Insurance Approvals for Type 1 Diabetes Are Here

by Ed Hinerman | Feb 16, 2019 | diabetes, life insurance, Type 1 diabetes, Type 2 diabetes

  It Keeps Getting Better! Life insurance for adults with type 1 diabetes has continued to improve since I first wrote this post in 2014. Testing, monitoring and insulin administration has been improving as fast as any technology and these advancements aren’t...

Type 1 Diabetes Still Receiving Great Life Insurance Approvals!

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...

Where The Life Insurance Rubber Meets The Road!

by Ed Hinerman | Jun 4, 2013 | approval, bipolar disorder, insurance, life insurance, life insurance approval, Type 1 diabetes

Years ago I put out lists of criteria for different life insurance impairments, lists that were designed as a template, as guidelines for what it takes to get approved by the more progressive impaired risk life insurance companies. What I’ve found is that it...

Know Your Health Information For Best Life Insurance Quotes!

by Ed Hinerman | May 13, 2013 | A1c, blood pressure, cancer, impaired risk life insurance, insurance, life insurance, Type 1 diabetes, Type 2 diabetes

Not everything that goes on in our medical lives is memorable. If our blood pressure is always in the normal range more than likely we are going to remember our last blood pressure reading. Unless I was deathly ill there is no way that I would remember what my...

2012 Life Insurance. The Best Year Ever!

by Ed Hinerman | Oct 30, 2012 | breast cancer, cancer, insurance, life insurance, mortality risk, no lapse guarantee, prostate cancer, rate increase, term insurance, universal life

There’s still two more months to go and by any measure the life insurance industry has made strides in both underwriting and product design that speak well for the future, but especially should be an eye opener right now. I’ve tried to note each change or...

Is Your Life Insurance Agent Shopping For You?

by Ed Hinerman | Jul 31, 2012 | impaired risk life insurance, Independent agent, insurance, life insurance, pilot, private pilots, professional car racing

I’ve been working some particularly tough impaired risk life insurance cases lately and it really drove it home to me that if a person with higher risk life insurance impairment is using an agent who only represents one or two or three companies, they have...

Adult And Juvenile Onset Type 1 Diabetes Life Insurance Update!

by Ed Hinerman | Jul 16, 2012 | diabetes, impaired risk life insurance, insurance, life insurance, Type 1 diabetes, Type 2 diabetes

I feel like one of those people who puts tacks in a map every time they visit another state. I am literally sticking pins in the type 1 diabetes life insurance approval map and the number of areas where we are getting approvals is growing every few weeks. As covered...

Chinks In The Type 1 Diabetes Life Insurance Approval Armor.

by Ed Hinerman | Jun 6, 2012 | A1c, diabetes, insurance, life insurance, life insurance approval, Type 1 diabetes

I’ve talked often about the fact that easily 99% of life insurance companies underwrite by the book, the underwriting manual,  and for most of them it hasn’t changed since we only had 49 states. If the word bipolar is on the application you are declined....

The Easy Way To Get Affordable Life Insurance If You’ve Had Health Issues.

by Ed Hinerman | Jun 5, 2012 | diabetes, impaired risk life insurance, insurance, life insurance, Type 1 diabetes

It’s what we’re all looking for, right? The path of least resistance. I know whenever I can I would prefer to do as little as possible and, really, honestly, I would kind of like instant gratification. Hey it leaves more time for the fun stuff. Getting...

Dragging Your Feet Is No Way To Take Care Of Your Family!

by Ed Hinerman | Mar 30, 2012 | cancer, children's life insurance, impaired risk life insurance, insurance, life insurance, mortality, Type 1 diabetes

Being primarily a health risk life insurance agent I get to talk to a lot of people about diseases and problems they didn’t have even just a few years prior. Especially guys have this bombproof thing going on where they truly believe as long as they work hard...

12 Things That Most Life Insurance Agents Just Don’t Know?

by Ed Hinerman | Feb 28, 2012 | Alcohol Treatment Life Insurance, decline, diabetes, Drug Treatment Life Insurance, insurance, life insurance, prostate cancer

I got an email from a life insurance agent today asking me if I could recommend a guaranteed issue life insurance company in Massachusetts. He indicated that he had run into several clients that were uninsurable and wanted to find the best company to write graded...

Right Life Insurance Agent Equals Right Outcome!

by Ed Hinerman | Dec 9, 2011 | A1c, diabetes, foreign nationals, Infinite banking, insurance, life insurance, prostate cancer, Sleep apnea

I’ve been writing long enough that I am bound to be a little redundiferous at times, but I don’t think it can be said too many times. If you use the wrong agent to buy life insurance, who picks the wrong company for your situation, you will not enjoy a...

Juvenile Onset Diabetes In Adults Better Underwriting!

by Ed Hinerman | Nov 21, 2011 | diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes

Before you dig too deep into this post let me clarify that I am not talking about juveniles with juvenile onset type 1 diabetes. I still don’t know anyone that will cover them and I am still actively lobbying companies to be the one to step out of the dark ages...

What You Won’t Get From The American Diabetes Association!

by Ed Hinerman | Oct 4, 2011 | American Diabetes Association, diabetes, insurance, life insurance

When I think of what I would want from the American Diabetes Association as a person with diabetes, I’m left wondering if they are anywhere near the advocacy group they claim they are. I go to their website and the first and most prevalent topic I find is how to...

What If Your Life Insurance Agent Asks You To Lie?

by Ed Hinerman | Jun 16, 2011 | insurance, life insurance, smoking

Let me answer the question first and then go on to explain. Tell the agent NO and go find an agent that can deal with the truth, the whole truth and nothing but the truth. I have been helping a client with type 1 diabetes get life insurance. He had been declined by...
« Older Entries

The Hinerman Group

Ed HinermanMy 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!

What Our Client's Have to Say

Hinerman Group
Hinerman Group
5.0
Based on 26 reviews
powered by Google
Joseph D'Angelo
Joseph D'Angelo
20:43 28 Jul 20
Ed has been my insurance rock for decades. He's trustworthy, cordial, efficient and diligent. He checks in on me... frequently to see if I'm in need of anything. He's always made me feel like not just a client but a friend. The Hinerman Group deserves my highest recommendation. Joe D'Angeloread more
Dan Lifton
Dan Lifton
19:22 28 Jul 20
Ed is a consummate professional. He always had my best interests in mind and provided excellent service, including... follow up to ensure that we were happy. I would strongly recommend him.read more
Sherry Braden
Sherry Braden
15:06 18 Jul 20
Ed has been an invaluable consultant and truly, a friend! His advice and wisdom is a real asset in making decisions... regarding life insurance, one of the most important decisions in life. I would recommend Ed to anyone needing a calm, measured and thoughtful agent to help in getting the insurance you need and not what someone would just "hope" to sell to you.read more
Brian Wolfe
Brian Wolfe
21:45 13 Jul 20
I've known Ed for 16 years now and he has helped me when other insurance providers either turned me down or simply... didn't want to deal with me at all. I have a lot of medical issues that make it difficult if not impossible to be insured but Ed worked with me to keep my policy active. He also gave me a 'heads-up' to save me money by renewing prior to an age related rate increase. I would recommend Ed (and have) to anyone looking for coverage- one of the nicest guys I've ever had the pleasure of knowing.read more
Michael King
Michael King
22:14 24 Jun 20
In the business of Insurance there are so many to chose from. My decision was correct when choosing Ed Hinerman. He... works hard to get me the best policy and is responsive to my calls and emails.read more
Deloyd Johnson-Jones
Deloyd Johnson-Jones
21:40 22 Jun 20
Ed is a pleasure to work with. He was there when I needed someone to listen and advise. He assisted me when no one... else could. I am very grateful and appreciative of his commitment and dedication to customers. I highly recommend him and his firm!!!read more
Sue Corriea
Sue Corriea
16:55 21 Jun 20
Ed has been our insurance agent for over 25 years. We think of him as a friend. He has always been there to give us... quick, accurate, and compassionate advice during the ups and downs of our lives. We trust Ed and the Hinerman Group to always have our best interest at heart. Our words to describe Ed...knowledgeable, trustworthy, a friend.read more
Travis Pflanz
Travis Pflanz
16:09 07 May 20
Ed recently hired my company, Search Centered Digital Marketing, to work on a small project for Hinerman Group. Ed was... detailed in his communication and in-depth in his questions regarding the process. Ed was a great client and I have all confidence in recommending my CO friends to Ed for all their home and life insurance needs.read more
Dr. Kenneth R. Eye II
Dr. Kenneth R. Eye II
16:37 16 Apr 20
Ed Hinerman has been my life Insurance agent for the past 7 years. Impeccable service that is professional, prompt and... informative. Ed knows where to shop to get the most from insurance carriers that I do not have access. Ed understands my needs as a doctor and business owner. If you are looking for an agent you can trust that is full service than let Ed represent you. He has access and relationships to chief underwriters at insurance carriers able to offer great terms and premiums to insure high net worth individuals and the resources to give you introductions beyond life insurance to other trusted agents for disability, key man and office overhead. Thanks, Ed!read more
Next Reviews

Recent Posts

  • USAA Not The Best Choice For Life Insurance!
  • Do You Trust Your Life Insurance Agent?
  • Declined For Life Insurance? How To Change That!
  • Five Points About Heart Issues And Life Insurance!
  • The Changing Face Of Those With Life Insurance!

Recent Comments

  • Ed Hinerman on AOPA Raising Life Insurance Rates 30%!!
  • John Hayes on AOPA Raising Life Insurance Rates 30%!!
  • Ed Hinerman on Life Insurance Contestability. What’s The Truth?
  • Ruth Ann Smith on Life Insurance Contestability. What’s The Truth?
  • Scott A. Olson on Life Insurance In A World Of Bundling!

Archives

Categories

We Really DO Come Through for our Clients.

“My husband and I had life insurance policies through Ed Hinerman. When my husband passed away very suddenly, Ed was extremely helpful in my time of need. Some companies claim to be there for you. Ed and the Hinerman group were there for me. I have referred friends to Ed, and will continue to do so.”

— Jimmi


GET IN TOUCH



Toll Free:

(866) 539-7914



Email Address

info@hinermangroup.com



Fax or Text

(719) 539-7914

LATEST POSTS

USAA Not The Best Choice For Life Insurance!

Nov 18, 2020

I first wrote this post five years ago in reaction to a client who had put their faith in USAA. They were a veteran and, after all, USAA makes much of being America's patriotic insurance company. Their experience with USAA was nothing short of insulting, not just to a...

Do You Trust Your Life Insurance Agent?

Nov 10, 2020

I wrote this post the summer of 2016, a much simpler time in our country. The problem I addressed then is still around and just adding to the challenges our nation faces. I am updating this post because the fundamental question of who you trust always needs to remain...

Declined For Life Insurance? How To Change That!

Nov 3, 2020

I wrote this post 4 years ago today and it could use updating and clarification. So, here I go, on task and laser focused, sort of...All the best. What Does Being Declined Mean? For those applying for life insurance there is nothing more disconcerting and worrisome...

FOLLOW US

  • Follow
Hinerman Group, Inc, Insurance Services Office, Nathrop, CO
© 2021 Ed Hinerman | Privacy and Accessibility Policies | HTML Sitemap | Impaired Risk Life Insurance | info@hinermangroup.com | (866) 539-7914

Designed by Elegant Themes | Powered by WordPress