Browse: Home / heart attack
By Ed Hinerman on May 17, 2012
When a life insurance agent presents something to a life insurance customer as a fact, customers generally believe it to be a fact and make their future plans accordingly. The believe life insurance agents are honest and knowledgeable and depend on their advice and guidance. I’ve often talked about clients in a position of responsibility ...read more
Posted in heart attack, Independent agent, insurance, life insurance, prostate cancer, PSA | Tagged believe life insurance agents are honest, believe life insurance agents are knowledgeable, brachytherapy, cancer, errors and omissions insurance, Gleason grade 6, independent life insurance agent, insurable at standard plus rates, insurance, isn't a level playing field, life insurance, life insurance customers, lifeinsurance agent, need not apply for 5 years, prostate cancer, PSA, radioactive see implant, shop the case every year, Stage 1 cancer, sue the agent, underwriting changes, willing to send clients to competition |
By Ed Hinerman on February 22, 2012
I’m all for rounding off. I mean if I owed someone $9 and I had a ten in my wallet and they didn’t have change I would call it good. I know. I know. One of the reasons I’m not filthy rich or any other kind of rich. There is something of a rounding off ...read more
Posted in heart attack, high blood pressure, insurance, insurance quotes, life insurance, obesity | Tagged accurate quotes, actual weight, entire health history, fudging, health history, heart or circulatory system disorder, insurance, last 5 years, life insurance, life insurance quotes, manipulate the quote process. Have you ever questions, obesity, Postural orthostatic tachycardia syndrome, POTS, rounding off, shops relevant information, well controlled |
By Ed Hinerman on July 12, 2011
The internet has come a long way and is an amazing research tool. It is not uncommon for people to make major medical treatment decisions based on their own research even when it runs counter to their doctor’s recommendation. It has to drive doctors nuts and I know for a fact that it is a ...read more
Posted in heart attack, insurance, life insurance | Tagged blockage, coronary artery disease, doctor's recommendation, insurance, internet second opinion, life insurance, life insurance underwriter, non compliant, preventive methods, referral, second opinion |
By Ed Hinerman on May 18, 2010
I know I’ve beat this drum before, but there is a real propensity in the life insurance business for agents to be so protective of a potential sale that they will actually tell a customer they are uninsurable, rather than admit they are the wrong agent for the job. They have a skewed view of ...read more
Posted in diabetes, heart attack, insurance, life insurance | Tagged breat cancer, captive agent, diabetes, heart attack, Independent agent, insurable, insurance, life insurance, uninsurable |
By Ed Hinerman on March 19, 2010
Long gone are the days of US Financial Life Insurance and their clinical underwriting that gave so many clients competitive rates, rates they really deserved, within 6 months of an angioplasty or bypass surgery. While those are tough shoes to fill, other companies have managed to fill the void and, within certain parameters are able ...read more
Posted in heart attack, insurance, life insurance | Tagged age of onset, angioplasty, bypass surgery, CAD, clinical underwriting, coronary artery disease, heart attack, insurance, life insurance, LVEF, MI, myocardial infarction |
By Ed Hinerman on February 19, 2010
I know for me that I consider daylight savings time to be a personal attack on my well being, and now there are studies to back it up. There has always been an acknowledged link between sleep deprivation and heart attacks, so it really wasn’t rocket science when someone figured out that the onset of ...read more
Posted in heart attack, insurance, life insurance | Tagged Anxiety, Depression, heart attack, heart disease, insurance, life insurance, obesity, Sleep apnea, sleep deprivation, stress |
By Ed Hinerman on February 1, 2010
Family history is one of those issues that just isn’t much fun to explain and frankly, from a life insurance underwriting standpoint, is a little hard to make a mortality risk case for more often than not. Now I’ll give the actuaries the benefit of the doubt when, let’s say, a male age 40 is ...read more
Posted in family history, heart attack, insurance, life insurance | Tagged A+ rated company, best rate class, blood pressure, cancer, cholesterol, family history, full cardiac workup, heart attack, insurance, life insurance, mortality risk, obese |
By Ed Hinerman on January 16, 2010
Part of the life insurance business is helping clients understand that companies weigh the mortality risk of each client, and the higher the risk, the higher the premium. I’m often asked by, say, someone who has experienced a heart attack, why the insurance company doesn’t just exclude death due to heart attack and give them ...read more
Posted in heart attack, insurance, life insurance | Tagged actuaries, diabetes, disability income, exclusion for pre-exisitng conditions, health insurance, heart attack, Independent agent, insurance, life insurance, mortality, mortality risk, overweight |
By Ed Hinerman on November 2, 2009
It’s that time of year when fall starts giving way to winter and we get those giant wet snowstorms that turn many from sedentary leaf peepers into snowplows. It’s also prime season for people to visit the ER with heart attacks or heart attacks symptoms that turn out to be some other thing they’ve strained. ...read more
Posted in heart attack, insurance, life insurance | Tagged blood clot, good stress test, heart attack, insurance, life insurance, shoveling snow, stress test |
By Ed Hinerman on October 15, 2009
Sometimes when I ask the medical questions that are part of the first interview with prospective life insurance clients I get the feeling that I should have gone through them twice, or three times. Each time I should say something like, “Now when I go through the questions this time I want you to carefully ...read more
Posted in heart attack, high blood pressure, insurance, life insurance | Tagged chest pain, cholesterol, heart attack, heart murmur, high blood pressure, insurance, life insurance, mitral valve prolapse, stroke |
