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 14, 2012
The dreaded elevated PSA! Life insurance underwriters treat a PSA out of the normal 0-4.0 range or a PSA that is higher than your last PSA with the life insurance equivalent of shutting all the hatches on a sinking ship. Even though there are no less than half a dozen reasons other than prostate cancer ...read more
Posted in cancer, insurance, life insurance, over 50 life insurance, prostate cancer, PSA | Tagged approval, decline, insurance, life insurance, men over 70, needle biopsy of prostate, over age 50, over age 60, prostate cancer, PSA, radiation therapy, radical prostatectomy, right agent, right company, right underwriter, risk factors, temporary PSA spikes, watchful waiting |
By Ed Hinerman on February 4, 2012
One of the brightest gems in the new cancer life insurance underwriting that was unveiled this week is the possibility to get all the way back to preferred rates with the right cancer, the right outcome and, of course, the right agent and the right company. For as long as I can remember the best ...read more
Posted in breast cancer, cancer, insurance, life insurance, over 50 life insurance, prostate cancer, PSA | Tagged breast self examination, cancer life insurance, cancer life insurance underwriting, digital prostate exam, early detection, fear of recurrence, fear of relapse, genetic testing, insurance, life insurance, life insurance acknowledged medical advances, mortality, over 50, post cancer treatment life insurance, preferred life insurance rates, proactive screening, prostate cancer watchful waiting, PSA screening, specific and focused treatment, warning signs |
By Ed Hinerman on December 27, 2011
Prostate cancer, we’ve all heard at one time or another, is something that virtually every man will have at some point in his life. While only one in five or so of us guys will ever be diagnosed with prostate cancer, the other four, according to theory and reports, will have the cancer but it ...read more
Posted in insurance, life insurance, prostate cancer, PSA | Tagged approved at reasonable rates, cancer, carefully monitored, die from prostate cancer, early stage, every man at some point, exclude prostate cancer, Gleason 5-7, insurance, life insurance, Lloyds of London, low to moderate grade, men over 60, prostate cancer, prostate cancer life insurance, prostate cancer non event, prostate cancer over age 70, PSA, survival rate 100%, watchful waiting, watchful waiting is a decline, watchful waiting legitimate diagnosis |
By Ed Hinerman on January 13, 2010
We’ve covered a lot in the past on the life insurance underwriting of prostate cancer. Prostate cancer is one of those good news/bad news events in the cancer world. Prostate cancer is the second most prevalent cancer among men, surpassed only by skin cancer. It also has the distinction of being a very survivable cancer ...read more
Posted in insurance, life insurance, prostate cancer, PSA | Tagged cancer, Gleason score, grade, insurance, life insurance, prostate cancer, PSA, radical prostatectomy, radioactive seed implant, skin cancer, stage |
By Ed Hinerman on April 27, 2009
It seems to me of all the major cancers, being the second most common among men, prostate cancer has been a hot bed of breakthroughs and I believe (the world according to Ed) will be the first major cancer that will be rendered null by scientific research. Today more good news came to the subject. ...read more
Posted in cancer, insurance, life insurance, prostate cancer, PSA | Tagged cancer, insurance, life insurance, prostate cancer, PSA |
By Ed Hinerman on April 6, 2009
I had a client who was just declined due to lab results on his insurance exam. This took us both by surprise since he had indicated that he had a physical just 6 months ago and his doctor had told him everything was fine. Unfortunately, because he told me that that everything was fine I ...read more
Posted in A1c, cancer, decline, diabetes, insurance, life insurance, prostate cancer, PSA | Tagged A1c, cancer, decline, diabetes, insurance, life insurance, prostate cancer, PSA |
By Ed Hinerman on March 19, 2009
Big news yesterday. Two studies that have been going on over the last 10 years threw a lot of doubt as to the value of the PSA (prostate specific antigen) test as it pertains to prostate cancer. Are the recommended annual tests going to go by the wayside and what impact, if any, will it ...read more
Posted in cancer, Independent agent, insurance, life insurance, prostate cancer, PSA | Tagged cancer, Independent agent, insurance, life insurance, prostate cancer, PSA |
By Ed Hinerman on March 18, 2009
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than with a shared meal, a key word salad. Diabetes ...read more
Posted in A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women | Tagged A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, economic meltdown, foreign travel, gastric bypass, gay, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, recession, scuba diving, Selectquote, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women |
By Ed Hinerman on February 2, 2009
The trend never seems to end. Men especially aren’t real keen on regular checkups with their doctors and have this almost childlike view of mortality. They’re sure people get sick and die, but it’s certainly not them or anyone remotely close to their age group. I am working with a client now who really takes ...read more
Posted in blood pressure, decline, high blood pressure, insurance, life insurance, mortality, PSA, stroke, term insurance | Tagged blood pressure, decline, high blood pressure, insurance, life insurance, mortality, PSA, stroke, term insurance |
