by Ed Hinerman | Apr 13, 2008 | cancer, cholesterol, heart disease, insurance, life insurance, PSA
I have often written about the surprises that come with life insurance exam results, from the fairly benign slight elevations in cholesterol to the alarming large elevations in PSA results. The surprise should really come as no surprise because the person who gets...
by Ed Hinerman | Apr 9, 2008 | cholesterol, coronary artery disease (CAD), insurance, life insurance
In a post some months ago I was sharing some of my new found knowledge about ultra fast CT scans and their viability and dependability in detecting clogged arteries in the heart. Just to refresh a bit, the ultra fast CT scan hangs it’s hat on the ability to...
by Ed Hinerman | Apr 8, 2008 | bipolar disorder, breast cancer, cancer, diabetes, heart attack, Independent agent, insurance, life insurance, Type 1 diabetes
I’ve mentioned before that there is a problem in the life insurance business. Pure and simple, it’s greed. Agents are so protective of a potential sale that they will actually tell a customer they are uninsurable, rather than admit they are the wrong agent for the...
by Ed Hinerman | Apr 7, 2008 | cancer, heart disease, insurance, life insurance, smoking, stroke
People act shocked and amazed when they find out they don’t get those life insurance rates advertised everywhere. I think somewhere inside they knew it would happen because those are non smoking rates and they smoke. And all that flashed fine print on the insurance...
by Ed Hinerman | Apr 6, 2008 | Independent agent, insurance, life insurance, obesity
My vote for the biggest rub in life insurance underwriting is weight. Easily the most disgruntled life insurance client is when they are told that their insurance is going to cost more because they guessed their weight wrong, or they weren’t really 6’2, but 6’1...
by Ed Hinerman | Apr 4, 2008 | children's life insurance, Depression, insurance, life insurance
How can you charge so much money for the education it takes to become a doctor and never teach them about the impact of poorly kept medical records? There is a huge problem in the integrity of the information that is put into medical records. It runs from casually...
by Ed Hinerman | Apr 3, 2008 | Anxiety, bipolar disorder, Depression, Independent agent, insurance, life insurance
40 years ago it was a rare thing to hear of someone who was on medication for depression. Of course back then people really didn’t talk about “those kind†of problems very openly. Treatment options were generally restricted to visiting a psychologist, therapist,...
by Ed Hinerman | Apr 2, 2008 | DUI, insurance, life insurance, private pilots
If you want to get a life insurance underwriter’s attention, talk about your history of alcohol or drug abuse. Tell them about your DUI or history of DUI’s. A good independent agent is going to ask about any history of alcohol abuse, treatment for alcohol or drug...
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