by Ed Hinerman | Aug 8, 2007 | diabetes, heart disease, Independent agent, insurance, life insurance, obesity
After being beat up by a body mass index calculator yesterday, I have found an ally in my new found health problem. While life insurance underwriters still take a stance that obesity and some of it’s ugly cousins, diabetes and heart disease, are not going to get...
by Ed Hinerman | Aug 7, 2007 | basal cell carcinoma, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
While it may be too late for those of us who grew up in the 50’s and 60’s, wearing our sunburns with pride, using sunscreen can certainly cut down on future cases of skin cancer. We have gone over the life insurance underwriting differences of the three...
by Ed Hinerman | Aug 7, 2007 | diabetes, Independent agent, insurance, life insurance, private pilots, Sleep apnea, Type 2 diabetes
There is a misconception in life insurance that there is a common thread running through all the companies and kind of like buying hamburgers, they’re all pretty much the same and all of them charge about the same. The truth is that the differences between life...
by Ed Hinerman | Aug 6, 2007 | insurance, life insurance, term insurance, universal life, whole life
A client today from Indiana, was telling me about their life insurance policy that was good until 2064. That would be to her age 95. She, like so many people, are really not quite clear on what they have. In her case she had a 30 year term policy. The guaranteed level...
by Ed Hinerman | Aug 6, 2007 | diabetes, heart disease, insurance, life insurance, obesity
The number of health problems that could be avoided with a change away from fast food eating habits is huge. The amount of money that could be saved on life insurance if that habit were shot and left for dead would be huge. But ours’ is a society that is easily...
by Ed Hinerman | Aug 6, 2007 | insurance, life insurance
Gosh. I thought it was going to be a pretty normal Monday. Feeling good. Got to play some golf over the weekend. Then MSN shook up my world by letting me know that I am overweight. Just for giggles I clicked on a body mass index calculator on MSN’s diet and...
by Ed Hinerman | Aug 5, 2007 | breast cancer, cancer, insurance, life insurance, prostate cancer, PSA
When it comes to life insurance underwriting of breast cancer, well really for any cancer, the earlier it is diagnosed the better the chances of getting good life insurance rates. But even better, it increases your chances of winning the battle. I’ve talked...
by Ed Hinerman | Aug 5, 2007 | foreign travel, Independent agent, insurance, life insurance
A recent article by the Anti-Defamation League expressed their pleasure about AIG, American General’s assertion that they do offer life insurance coverage for people who travel to Israel. This peaked my interest as I have run into some rather squirrelly foreign...
by Ed Hinerman | Aug 3, 2007 | diabetes, heart disease, insurance, liver functions
One of the most important factors in life insurance underwriting of significant health issues such as diabetes or heart disease is a person’s willingness to do what it takes to manage the health problem. If a person is compliant with their medical advice and...
by Ed Hinerman | Aug 3, 2007 | income replacement, Independent agent, insurance, life insurance
Originally posted 8/11/2007, updated 11/23/2019 Part of the whole life insurance equation that people get hung up on is how much life insurance is enough. There are life insurance calculators like the one below that can help, but the best process is a good old...
by Ed Hinerman | Aug 3, 2007 | Independent agent, insurance, life insurance, term insurance, universal life, whole life
As promised yesterday in reference to the Top 5 reasons people don’t buy life insurance they know they need, one of the reasons cited was “Have other financial priorities”. The bottom line, and I have this discussion almost every day with clients, is...
by Ed Hinerman | Aug 2, 2007 | insurance, life insurance
The other day I offered some interesting statistics from a LIMRA study about all of the uninsured and under insured Americans. I offered my thought that the reason these people didn’t buy life insurance was that they couldn’t find someone they trusted to...
by Ed Hinerman | Aug 2, 2007 | cancer, heart disease, insurance, life insurance, prostate cancer
Depending on the life insurance company, rates for smokers can be anywhere from 2 to 4 times as much as for a non smoker in comparable health. Life insurance underwriters have a healthy respect for the link that smoking has to almost any health problem. In a post...
by Ed Hinerman | Aug 2, 2007 | cancer, insurance, life insurance, multiple sclerosis
Drug prices are out of control. No big secret there. With so many options out there for any given health condition, a wrong choice can end up being an enormously expensive test. Health insurance companies would be glad to know that if a drug didn’t work, the...
by Ed Hinerman | Aug 1, 2007 | insurance, life insurance
The following facts were taken from a study done by LIMRA, (Life Insurance and Market Research Association). In reading these results I am struck by the fact that as insurance professionals we are faced with an underserved market. Customers know they need it, they...
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