Ed Hinerman On Life Insurance

Insulin Treatment For Type 2 Diabetes!

I was just led to a website today that you should visit if you have type 1 diabetes or type 2 diabetes. Catchy URL! I got there by typing in www.a1c.org. Sure, It’s a link to an ad, but I’ve always been ok with advertisements if they also provide information that might just open some eyes.

I found their link to insulin myths to be both informative and kind of inspiring. I think there is a real tendency for those with type 2 diabetes to be wary or even scared of using insulin, thinking of it as a last resort. The truth is, not all diabetes reacts the same and whatever it takes to provide you the control you need, is what is going to keep your diabetes from escalating to collateral health issues.

When we discuss diabetes and life insurance, it is all about compliance, control and avoiding risk factors. If the addition of insulin provides the control and you are inspired enough by the control to be compliant with the treatment, risk factors will be avoided and a healthier life will be there for the taking. I’ve worked with plenty of type 2 diabetes clients who use insulin, and underwriters are very accepting of it, if control comes along.

Bottom line. Compliance, control and avoiding risk factors. The mantra of doctors and diabetes educators just happens to be shared by the life insurance industry. Don’t let anyone tell you that diabetes puts you out of the running for good insurance rates.

1 comment January 11th, 2008

A Light At The End Of The Tunnel For Bipolar Women!

Other than the fact that you can get good news about bipolar and life insurance from my blog most anyday, there aren’t a lot of folks spreading good news about bipolar.

A recent University of Pittsburgh study has shed some light on the use of light boxes as a supplement to treatment for the depression side of bipolar. While there are many effective treatments for the manic side, the depression phase can last much longer, sometimes seemingly staying in place.

The basis for the study came from the fact that bipolar disorder has been noted to be effected by ambient outdoor light and seasonal changes. The light boxes used in this study are not unlike the light box used by the sheriff on the TV show Men In Trees. In that case, in Alaska, the light is used to offset the lack of natural light through the winter months.

Anyway, just a bit of interesting news on the subject. I am working another bipolar II case right now and getting great offers on the life insurance needed. The key, as always is compliance with treatment and a stable life. We have successfully placed a number of cases at rates classes better than standard and as good as preferred plus.

Bottom line. The other light in your life ought to be an independent life insurance agent who understands your issues and how to present them to the correct companies. Good rates are there if you have a handle on your bipolar challenge.

Add comment January 11th, 2008