by Ed Hinerman | Nov 11, 2008 | blood pressure, diabetes, heart attack, insurance, life insurance, prostate cancer, PSA
As soon as you tell someone that they don’t qualify for the best rates available, stand back, because the knee jerk reaction is to unload on you with something akin to the intelligent response, “So, they think I’m about to die of a heart attack, or...
by Ed Hinerman | Nov 11, 2008 | cholesterol, heart attack, heart disease, insurance, life insurance
A study released this week by Astra Zeneca, makers of the cholesterol lowering drug, Crestor has turned a few heads in both the pro and the con aisle. In a nutshell the study claims that the use of Crestor, or more generically statins, can decrease the risk of heart...
by Ed Hinerman | Nov 11, 2008 | AIG, insurance, life insurance
I was not in favor of the AIG bailout when it was “just” $85 billion, but knowing that AIG has the assets to sell to pay that off, and knowing that the government had taken control of the company, I decided that possibly more brilliant minds than mine...
by Ed Hinerman | Nov 10, 2008 | Alcohol Treatment Life Insurance, cancer, cholesterol, diabetes, Drug Treatment Life Insurance, foreign travel, heart attack, heart disease, obesity
They’re the rates you see advertised all the time and they are definitely the rates that everyone would like to be paying for their life insurance coverage. But do you qualify? First let’s dispel with a few old myths. Your age and the amount of insurance...
by Ed Hinerman | Nov 8, 2008 | insurance, life insurance
I suspect most people would answer that question in the affirmative. I mean these companies are for profit businesses, and the less they pay out the more they make, right? Unpaid claims must surely be their goal if not their dirty little secret, right? As much as I...
by Ed Hinerman | Nov 8, 2008 | insurance, life insurance
With the death of my father just recently I’ve been taking stock of my own worth, not just in money, but in what I will leave behind. At my Dad’s funeral a friend suggested, after hearing all the accomplishments of Dad’s life, that if either of us...
by Ed Hinerman | Nov 3, 2008 | insurance, life insurance, term insurance, universal life, whole life
In these tough economic times ways to save money are always appreciated as long as there aren’t any hidden surprises. Probably one of the most overlooked potential savings is in life insurance that you have had for five to ten years. If your health has remained...
by Ed Hinerman | Nov 1, 2008 | insurance, life insurance, universal life
No, I don’t mean universal life insurance as in the permanent product universal life. There is all this talk about making health care more affordable, even universal health care plans, and all I am thinking is why not life insurance? I think we have all heard on...
by Ed Hinerman | Oct 31, 2008 | angioplasty, bypass surgery, cholesterol, diabetes, heart attack, heart disease, Independent agent, insurance, life insurance
For as long as there has been life insurance and heart attacks there has been misinformation about the impact of the event on future ability to obtain the insurance. Two of the most common myths are that 1. If you’ve had a heart attack then you are simply toast...
by Ed Hinerman | Oct 31, 2008 | decline, diabetes, heart disease, obesity, Type 2 diabetes
Type 2 diabetes is one of those anomalies, like obesity (which happens to be the leading cause), where there seems to be an aversion to calling it what it is, an epidemic. It reminds me a bit of the economic situation in our country and the aversion to using the word...
by Ed Hinerman | Oct 30, 2008 | cholesterol, diabetes, heart attack, insurance, life insurance, PSA, term insurance
But declines happen. I’ve put together a list of the top reasons that applicants are denied coverage. We’ll start out with the first two which were covered in a post yesterday. 1. Your agent did a sloppy job. Sometimes agents slip into a habit of not...
by Ed Hinerman | Oct 29, 2008 | angioplasty, decline, diabetes, heart attack, Independent agent, insurance, life insurance
You don’t buy life insurance, rather, you apply for it. Because there is an application there should be a common understanding that there is a chance that your application will be rejected. The industry term is decline. While declines are far more the exception...
by Ed Hinerman | Oct 29, 2008 | decline, hepatitis, Independent agent, insurance, life insurance, liver functions
Well, no…..or maybe yes……it all really depends. I hope this information has been helpful. Seriously though, underwriting of Hepatitis C really comes down to a few key factors. First, is the disease in remission and second, how much damage has the...
by Ed Hinerman | Oct 28, 2008 | COPD, diabetes, heart attack, insurance, life insurance, obesity, smoking, term insurance, Type 2 diabetes
photo credit: Mykl Roventine Life insurance rates for those that smoke cigarettes, depending on the company and any additional risk factors, can run anywhere from two to four times higher than a comparable non smoker. What particularly drives underwriters crazy are...
by Ed Hinerman | Oct 27, 2008 | cigar smokers, insurance, life insurance, smoking
Several years ago Cigar Aficionado ran an article on life insurance for cigar smokers. It was a poorly researched article at the time and fell well short of giving the information needed for the cigar enjoying public to get the best rates possible. I have offered more...
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