by Ed Hinerman | Sep 22, 2007 | Alcohol Treatment Life Insurance, cancer, DUI, insurance, life insurance, liver functions
Not too long ago I discussed life insurance exam labs results. I mentioned that the tests were not always tests that would lead to a diagnosis of a specific problem, but were tests that often exposed the tip of the iceberg, where a more serious problem might lie...
by Ed Hinerman | Sep 22, 2007 | Anxiety, cancer, cholesterol, Depression, heart disease, insurance, life insurance, private pilots, term insurance, universal life
For the next several weeks I will be occasioanally giving information on the companies that I use. Each of these companies has a strong point or they would’t be in my portfolio. Each of them has weak points and these are things I consider when I am...
by Ed Hinerman | Sep 21, 2007 | foreign travel, insurance, life insurance
I never stop looking on behalf of people who just can’t seem to get an offer on life insurance. I’ve literally work for years before finding a client the policy they needed. Because I didn’t have a company that would touch it, I have literally had to...
by Ed Hinerman | Sep 21, 2007 | Attention Deficit Disorder, high blood pressure, insurance, life insurance, Sleep apnea, stroke
A client I worked with this week was a little miffed because Met Life didn’t come through with the rate the agent said they would, even though he had divulged his health history and his labwork was perfect. Apparently he quoted the client $1800 a year and it was...
by Ed Hinerman | Sep 21, 2007 | Biggest Loser, insurance, life insurance
A comment from Katie on my first Biggest Loser post asked, “what would be the rate the trainers would pay? so what is the difference between a trainer and a contestant’s payment, when both are the same height?” I responded, ” Katie, Since I don’t...
by Ed Hinerman | Sep 21, 2007 | cancer, cholesterol, heart attack, insurance, life insurance
Every once in a while I get hit with a client who just doesn’t see the value in seeing a doctor. The old “if it ain’t broke” attitude. Why see a doctor if you aren’t sick? According to CNN.com 43% of men get annual physicals. I’m...
by Ed Hinerman | Sep 21, 2007 | cancer, insurance, life insurance, prostate cancer, PSA
Here is another area where men just don’t follow through and do the right things. Doctors say that after age 50 we should have our PSA (prostate specific antigen) checked once a year. No big deal. A little blood and a relatively inexpensive test. OK, all you...
by Ed Hinerman | Sep 20, 2007 | breast cancer, cancer, insurance, life insurance, prostate cancer
Having heard, in excruciating detail, the whole mammogram procedure from my wife, I can tell you that I would understand why women might be reluctant to have them done as frequently as doctors would like them to. Breast cancer is certainly an ominous enough issue to...
by Ed Hinerman | Sep 20, 2007 | diabetes, heart disease, insurance, life insurance
All right guys! There is the statistic out there that has been bugging me for years. Women, on average, outlive us by 5 years. Because life insurance companies can count on women to follow through with their end of the bargain, the give them better life insurance...
by Ed Hinerman | Sep 19, 2007 | Biggest Loser, insurance, life insurance, obesity
As discussed in my first post for Biggest Loser, NBC’s reality weight loss show, from a life insurance perspective, there is more to the picture than just weight. Life insurance rates are based on mortality assumptions, how long a person might expect to live....
by Ed Hinerman | Sep 18, 2007 | insurance, life insurance
There is a saying that goes something like, the sincerest form of flattery is impersonation, or having your stuff ripped off or something like that. Over the past few months some company in the UK has been copying my posts and selling them under the guise that they...
by Ed Hinerman | Sep 18, 2007 | Biggest Loser, cancer, diabetes, insurance, life insurance
In studying for my previous post on the reality weight loss show, Biggest Loser, I came across what I consider to be an awesome feature of the show’s website. They actually have a doctor that hosts a blog. Dr Jen Kerns hosts a blog that provides medical answers...
by Ed Hinerman | Sep 18, 2007 | Biggest Loser, cancer, diabetes, heart disease, insurance, life insurance
Because I feel strongly about the need for more discussion and more education on the effects of obesity, what I started with ABC’s Fat March I will now take up with NBC’s Biggest Loser. Again, my focus is not the show or the internal contest or game. What...
by Ed Hinerman | Sep 18, 2007 | diabetes, Fat March, high blood pressure, Independent agent, insurance, life insurance, obesity
In a series of blogs I followed an ABC reality show called Fat March. One of the participants on that show, Loralie, was there for the express purpose of losing weight because she and her husband wanted to have a baby. At 241 pounds when she started, her doctor...
by Ed Hinerman | Sep 17, 2007 | cholesterol, diabetes, heart disease, high blood pressure, insurance, life insurance, obesity
There is a commercial on TV that, while selling a drug for the treatment of high cholesterol or high LDL, makes a good point about the genetic link to problems with cholesterol. The commercial has several witty little lines like, “Is your cholesterol affected by...
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