Browse: Home / cholesterol
By Ed Hinerman on April 10, 2012
It’s not like I’m some grumpy old guy that just thinks young men are stupid. There are a lot of refreshingly intelligent and down to earth young men out there who believe in stepping up to the plate, especially when it’s a plate of their own making. The thing that happens most often with young, ...read more
Posted in cholesterol, insurance, insurance quotes, life insurance | Tagged cholesterol, cholesterol ratio, cost of insurance, could afford it, customer really isn't always right, full medical underwriting, insurance, insurance quotes only as good as exam results, life insurance, life insurance application, like the old days, never been to a doctor, never had labs done, over 50 life insurance, responsibility, same price, young guys |
By Ed Hinerman on January 19, 2012
As I come to grips with the fact that I am going to have to switch from Windows XP to Windows 7 and from Outlook Express to Outlook, I am a bit stressed. To bring you up to speed on the kind of stress I am going through, I wrote this post this morning. Because ...read more
Posted in Anxiety, bipolar disorder, cholesterol, Depression, high blood pressure, insurance, life insurance | Tagged approve at preferred plus rates, attorneys, best rate class, better rate class than industry average, blood pressure, CEO's, cholesterol, coping mechanism, insurance, life insurance, life insurance underwriters, minor mood disorder, mood disorder treatment, mood stablizing, mothers dealing with children, physicians, Prozac, rate class reflect mortality risk, stress, treated for ADD, treated for anxiety, treated for bipolar disorder, treated for depression, well controlled, Wellbutrin, Windows 7, Zoloft |
By Ed Hinerman on January 7, 2012
I recently shared about an insurance applicant who was approved by Transamerica at table 4 due to some admirably huge lipid readings. His Trigs were 862, total cholesterol 348 and HDL/total ratio 9.25. I encouraged him to take those results directly to his doctor. I told him the first thing he would get is a ...read more
Posted in cholesterol, HDL, insurance, life insurance | Tagged averaging two sets of labs, cholesterol, HDL, HDL/total ratio, highly rated policy, huge lipid readings, insurance, life insurance, lipid, massive doses of IV statins, preferred plus cardiac health, total cholesterol, triglycerides |
By Ed Hinerman on December 19, 2011
I remember a few years ago when my wife was running scared because her cholesterol on the results from our community health fair were over 200, just barely. Her HDL was 60. She might die from worrying, but her arteries weren’t plugging. Late last week I had a call from a potential life insurance client ...read more
Posted in cholesterol, insurance, life insurance | Tagged artery blocking lipid panel, cheeseburgers intravenously, cholesterol, full physical, HDL, high cholesterol ratio, high total cholesterol, high triglycerides, insurance, labs from health fair, less expensive, life insurance, life insurance client, rated by Transamerica, replace with a lower price policy |
By Ed Hinerman on December 16, 2011
On the subject of fair life insurance underwriting I can certainly be found on both sides of he fence. Sometimes I think the underwriting consideration is completely fair, something that based on the information is something the client is just going to have to accept. Then there are days like today. I have a client ...read more
Posted in A1c, cholesterol, Depression, diabetes, insurance, life insurance | Tagged A1c of 6.1, diabetes, fair life insurance underwriting, high blood pressure, high lipids, insurance, life insurance, never diabetic, no family history of diabetes, pre diabetic, preferred plus, situational depression, wrestling with weight issues, written appeal to underwriter |
By Ed Hinerman on December 8, 2011
I realize it may have only been yesterday since I went off on one of the mega agencies, but really, what part of customer service do they not get? Today I had a client who had applied for a term life insurance policy through Selectquote. He is a perfectly healthy specimen and the Selectquote agent ...read more
Posted in cholesterol, insurance, life insurance, term insurance | Tagged cholesterol ratio 4.7, eats into profits, incorrectly charged annual premium, insurance, lacking lacking in integrity, life insurance, mega agencies, new application could do better, profit before honesty, qualified for a better rate, quoted best rate available, Selectquote, temporary insurance agreement, term life insurance |
By Ed Hinerman on December 6, 2011
Where has our American “get er done” philosophy gone? It seems like I run into cases everyday where a person’s life insurance agent gives up if they application is not approved at the rate they thought their customer would get, or even declined. I was working with a client who had come to me from ...read more
Posted in cholesterol, Independent agent, insurance, insurance quotes, life insurance | Tagged any result is acceptable, approved preferred plus, cholesterol, declined, field underwriting, Independent agent, insurance, life insurance, life insurance agent, life insurance application, life insurance exam, mega agency, multiple applications, not approved, Selectquote, wrong company, wrong results, wroong agent |
By Ed Hinerman on December 3, 2011
It’s 2011 for a little while longer and it seems that only a few life insurance companies have caught on to the fact that life in our great country is a little more stressful than it used to be. You don’t need to look any further than the CDC (Center for Disease Control) to find ...read more
Posted in Anxiety, bipolar, bipolar disorder, blood pressure, cholesterol, Depression, insurance, life insurance |
By Ed Hinerman on October 31, 2011
There seems to be a mindset that life insurance applications probably won’t be approved at the rate that was quoted and applied for. This is a far more prevalent mindset today with so many hundred of thousands of applications being jammed through life insurance sweatshops like Selectquote and Lifequotes.com. These are not fun places to ...read more
Posted in cholesterol, Dave Ramsey, ING Reliastar, insurance, life insurance | Tagged bonus, commission, Dave Ramsey, family history of cancer, impaired risk life insurance, insurance, life insurance, life insurance disaster, Lifequotes.com, mega agency sweatshops, rate applied for, rate quoted, underwriting guidelines, Zander |
By Ed Hinerman on October 12, 2011
It’s been a long time since most insurance made any kind of fuss over being treated for cholesterol. As long as it was well controlled you could count on best rate class approvals. Now companies have jumped on the cholesterol ratio band wagon and are allowing preferred plus rates with total cholesterol as high as ...read more
Posted in blood pressure, cholesterol, insurance, life insurance | Tagged Banner, best rate class, blood pressure, cholesterol, cholesterol ratio, Genworth, HDL, high blood pressure, insurance, life insurance, Minnesota Life, over 50 life isurance, over age 50, preferred plus rates, treated cholesterol, treated high blood pressure, United of Omaha |
