by Ed Hinerman | Apr 30, 2008 | bipolar disorder, Independent agent, insurance, life insurance
I worked recently with a client who was diagnosed with bipolar disorder almost 8 years ago. After reading one of my posts on the success we’ve had in obtaining life insurance at good rates for people in her situation, she reluctantly decided to try again. She...
by Ed Hinerman | Apr 29, 2008 | diabetes, life insurance, obesity, Type 2 diabetes
Just as we’ve discussed so often, with any number of health issues from heart disease to cancer to diabetes, the earlier it is detected the better the chances of controlling or stopping it before it causes irreparable harm. With diabetes there have always been...
by Ed Hinerman | Apr 28, 2008 | insurance, life insurance
When a life insurance underwriter assesses your risk and approves, rates up (or declines) a policy, it’s a lot like a loan officer reviewing the facts to determine whether you qualify for a loan. You might feel like you can afford that new mortgage, but it it...
by Ed Hinerman | Apr 26, 2008 | gastric bypass, insurance, life insurance, obesity
The idea of gastric bypass surgery has often come in our forum when talking about the impact that obesity has on health and life insurance rates. The truth is that morbid obesity is so very hard on just about every part of a person’s health, that it just...
by Ed Hinerman | Apr 25, 2008 | cholesterol, insurance, life insurance, term insurance
It’s generally the drama of the week around here. Someone has applied for insurance only to find out that they are fatter than they thought, their cholesterol of blood pressure is higher than the guidelines because they never check it, or their rate is approved...
by Ed Hinerman | Apr 24, 2008 | bipolar disorder, insurance, life insurance
The news really does keep getting better and better when it comes to well controlled, stable bipolar leading to good life insurance rates. I just placed a case with a woman who was actually approved at a better rate than we had applied for. Part of the reason for her...
by Ed Hinerman | Apr 24, 2008 | insurance, life insurance, universal life
When I talk to clients about today’s permanent products and the trend away from the old guarantees to age 100 and toward guarantees of 120+, I am often chuckled at. Uinversal life policies with no lapse guarantees to 120 or 130 may be more well thought out than...
by Ed Hinerman | Apr 22, 2008 | insurance, life insurance
Personally I kind of like the idea of everyone having availability to health care. The idea that people who don’t see doctors now might start getting regular checkups would dramatically decrease those conditions that are discovered only when it is out of...
by Ed Hinerman | Apr 22, 2008 | cancer, insurance, life insurance, prostate cancer, PSA
I caught the title of an article on prostate cancer out of the corner of my eye today and immediately drew the wrong conclusion. The article, “Exercise may lead to faster prostate tumor growth” drew an immediate reaction from me since I exercise daily. I...
by Ed Hinerman | Apr 22, 2008 | insurance, life insurance, term insurance, universal life, whole life
It seems that every time I write about whole life insurance and the fact that any positive attributes it may have had at some point in history are gone, someone feels the need to point out what an idiot I am. I take it all with a grain of salt since the stern...
by Ed Hinerman | Apr 21, 2008 | diabetes, insurance, life insurance, Type 2 diabetes
I get so tired of doctors (what’s new?) who make a diagnosis and just give people prescriptions and basically just tell them to go away and take their medicine. My office manager’s mother was recently diagnosed as being type 2 diabetic. She was put on...
by Ed Hinerman | Apr 21, 2008 | cancer, diabetes, gastric bypass, heart disease, insurance, life insurance, obesity, Sleep apnea, Type 2 diabetes
I watched a program on 60 minutes last night that reviewed the impact of gastric bypass surgery not just on obesity, but on all of the other risk factors that a person takes on when they are overweight. The results weren’t surprising, but rather affirming based...
by Ed Hinerman | Apr 16, 2008 | coronary artery disease (CAD), heart attack, heart disease, insurance, life insurance, obesity, smoking
I have no idea, but if someone has had a heart attack I know that one thing that won’t hurt their feelings is finding affordable life insurance rates. While I may not have a clue about broken hearts, I can shed some light on what life insurance underwriters look...
by Ed Hinerman | Apr 16, 2008 | insurance, life insurance
Can you stand just a little more evidence that healthy lifestyle choices do, in fact, help avoid serious health problems. Eat right and get plenty of sleep!! We’ve discussed several times how sleep, or lack of, can impact physical and mental health. Now a large...
by Ed Hinerman | Apr 14, 2008 | Anxiety, bipolar disorder, Depression, diabetes, epilepsy, heart disease, insurance, life insurance
I wouldn’t presume to beat a dead horse, but so seldom is there any significant shift in life insurance underwriting that it bears as much good press as it can stand. While life insurance companies have, for a long time, been fairly tolerant of mild situational...
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