by Ed Hinerman | Dec 1, 2011 | Biggest Loser, diabetes, heart disease, insurance, life insurance, obesity
There is probably no one more prevalent issue that affects life insurance underwriting more than weight. With 30+% of our country meeting the criteria for being obese, face it, every application we get has a 1 in 3 chance of build and BMI being an underwriting issue....
by Ed Hinerman | Aug 23, 2010 | insurance, life insurance, obesity
Obesity has always been a life insurance underwriting challenge. Companies are keenly aware that while weight may not kill you, it dramatically increases your risk of everything from heart disease to cancer. The explosion in type 2 diabetes worldwide can be directly...
by Ed Hinerman | May 27, 2010 | insurance, life insurance
I’ve heard the excuses for not getting that life insurance bought, and I’ve had plenty of people not return calls because they know their excuses are lame. I want to put it off until I lose a little more weight! I don’t want to apply until I’ve...
by Ed Hinerman | Aug 6, 2009 | cholesterol, high blood pressure, insurance, life insurance
I am beginning to believe that our little mountain town here in one of the healthiest states according to several studies, is home to a bunch of closet cholesterol snarfers. I know you don’t really snarf cholesterol, but I also know that if you do the typical...
by Ed Hinerman | Jul 6, 2009 | insurance, life insurance, term insurance
There is a point that us old guys reach where no matter how healthy we improve our mortality risk in the next year we just aren’t going to be able to get life insurance cheaper than we can today. I just had this delicate conversation with a 61 year old man who...
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