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...
by Ed Hinerman | Sep 16, 2007 | final expense life insurance, insurance, life insurance
Probably the most common scenario I hear is children or grandchildren considering purchasing a life insurance policy on parents or grandparents. Their thought process is, that if the cost isn’t too high, it could be a decent investment. My personal opinion is...
by Ed Hinerman | Sep 16, 2007 | insurance, life insurance
Life insurance companies stand ready to cut the large check you want them to in the event of your passing. In far more instances than you can imagine the companies are never given the chance to come through for your beneficiaries because, you neglected to tell them...
by Ed Hinerman | Sep 16, 2007 | Burial insurance, estate taxes, final expense life insurance, insurance, life insurance, term insurance, universal life, whole life
Term insurance or whole life? Term insurance or universal life? How should you decide just what product best fits your need for protection for your family? I’ve discussed in numerous posts how to determine the proper term length and the proper use of term...
by Ed Hinerman | Sep 15, 2007 | diabetes, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, stroke
When we think about high blood pressure, hypertension, generally our thoughts don’t drift to children. I was trying to think back through family and friends and remember if I had ever known a child treated for blood pressure and I came up empty. With obesity in...
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