Recent Comments:
Three markers may predict type 2
The Diabetes Blog
Aug 16th 2007 10:48PM Diabetes is one of the most common life insurance underwriting issues we encounter with our clients.
Overview:
How Diabetes affects your life insurance rates:
It is important to note that not all companies will do a good job underwriting diabetes. You need to get to the right company in order to get the most competitive rates possible. We can help as we know which companies to go to.
Each company has its own set of underwriting guidelines, but all companies are looking for the following information:
Type - Are you a Type 1 or Type 2 diabetic?
Age at Onset - How old were you when diagnosed?
Control - Do you have good control of your diabetes? Do you test your blood sugar frequently. Is your doctor satisfied with your control of diabetes? Companies are looking for your fasting blood glucose levels, random glucose levels, and your HbA1c level. Your HbA1c reading gives underwriters an indication of your glucose control over the past 60 days.
Compliance - Are you following doctors orders? Eating the right foods, maintaing a healthy weight, eating the right foods, taking your medication as directed?
Complete Medical Information - Do you have thorough medical records? Have you been going to the doctor for checkups or do you skip appointments and only have sporadic records?
http://www.lifeinsuranceadvisors.com/health-problems-life-insurance-underwriting-diabetes
Cancer By The Numbers: Basal Cell Carcinoma
The Cancer Blog
Aug 16th 2007 10:45PM Skin cancer is a common life insurance underwriting issue that we encounter with our clients.
Basal cell carcinoma is the most common form of skin cancer encountered. Typically, when a basal cell carcinoma is diagnosed, it is removed surgically with no further treatment required. Basal cell carcinoma typically does not spread to other tissues and has no significant impact on underwriting.
Squamous cell carcinoma typically presents itself as a red patch or nodule and treatment is surgery to remove it. Recurrence is common and roughly 5-10% of individuals will develop cancer elsewhere.
Malignant melanoma is the most severe type of skin cancer. Melanoma is typically treated by removal of the ski and surrounding tissues plus margin in order to ensure complete removal. Melanomas are measured according to the "Clarks Level" and Breslow Scales". The size and depth of the melanoma determines the Clarks level and Breslow scale.
How skin cancer affects your life insurance rates:
Each company has its own set of underwriting guidelines, but all companies are looking for the following information:
Type - Did you have basal cell, squamous cell, or melanoma?
Age at Onset - How old were you when diagnosed?
Location - Where was the cancer located? Were there multiple locations?
Diagnosis - Was it basal cell or squamous cell? If it was a melanoma, what was the Clarks Level? What was the Breslow Scale?
Complete Medical Information - Pathology Reports are required in order to get competitive and accurate offers.
You can read more about how skin cancer affects your life insurance rates here.
http://www.lifeinsuranceadvisors.com/health-problems-life-insurance-underwriting-skin-cancer
Major League Baseball, Prostate Cancer Foundation team up
The Cancer Blog
Aug 16th 2007 10:41PM Be diligent, get checked, and get second opinions from specialists.
I work with people who have had prostate cancer in the past and if caught early, it doesn't need to be a death sentence.
You can read about how prostate cancer affects insurance rates here.
http://www.lifeinsuranceadvisors.com/health-problems-life-insurance-prostate-cancer
Prostate cancer prognosis not good for Merv Griffin
The Cancer Blog
Aug 12th 2007 2:17PM It's terrible when anyone dies from prostate cancer.
Be diligent, get checked, and get second opinions from specialists.
I work with people who have had prostate cancer in the past and if caught early, it doesn't need to be a death sentence.
I even had a case where I had to argue with client to get second opinion because I thought his general practicioner was wrong. He went for second opinion and caught the prostate cancer at an early stage and is doing fine today.
You can read about how prostate cancer affects insurance rates here.
http://www.lifeinsuranceadvisors.com/health-problems-life-insurance-prostate-cancer
