by Ed Hinerman | Mar 24, 2010 | A1c, diabetes, insurance, life insurance
Since virtually everyone we work with on life insurance has some kind of health impairment, and since it’s my job to determine how that impairment is going to impact our ability to get affordable life insurance, I depend a lot on people knowing the facts about...
by Ed Hinerman | Jan 4, 2010 | A1c, bipolar disorder, insurance, life insurance
There are plenty of people who would argue that 2009 could have been flushed down the toilet and not missed, and my prayers go out to all of those whose lives were derailed by the recession. For those I wish a dramatically better new year. But, when it comes to life...
by Ed Hinerman | Aug 13, 2009 | A1c, diabetes, insurance, life insurance, Type 2 diabetes
I written several times about a major term life insurance company that took the unprecedented step of saying they would allow, in the absence of other risk factors, their preferred plus rate class for some people over 60 with type 2 diabetes. Their only other...
by Ed Hinerman | Jun 10, 2009 | A1c, diabetes, insurance, life insurance, Type 2 diabetes
Wanted. 60+ year old type 2 diabetic. Diagnosed in last 5 years. Good control with A1c 7.0 or better. No complications. You have won the prize. I’ve been working with the diabetes community for a long time and never thought I would be able to announce that a...
by Ed Hinerman | Jun 8, 2009 | A1c, diabetes, insurance, life insurance, Type 2 diabetes
Usually the first shot in the arsenal of ways to deal with type 2 diabetes is diet and exercise. The great thing if it works is that the diabetes can be controlled or beaten, a life style changed, and absolutely no negative side effects. The American Heart Association...
by Ed Hinerman | Jun 5, 2009 | A1c, diabetes, insurance, life insurance
For years there has been plenty of debate in the medical community over the best measure for diagnosis of diabetes, or more specifically, which test gives the most accurate assessment for that diagnosis. For years life insurance companies have used the A1c as a...
by Ed Hinerman | May 5, 2009 | A1c, angioplasty, Banner Life, bypass surgery, cancer, diabetes, heart disease, insurance, life settlements, Sleep apnea
A month or so ago I talked about a client of mine who, over the course of 4 years, has been working with me to get his rate down from the very first approval we were able to get through Empire General at a table 8, to a just approved standard plus rate with Banner...
by Ed Hinerman | May 4, 2009 | A1c, American Diabetes Association, diabetes, Independent agent, insurance, life insurance, Type 2 diabetes
It’s been several months since there was any major movement on the life insurance underwriting scene for those with type 2 diabetes, but a major company today shattered that trend by announcing that are willing to approve at preferred plus rates within certain...
by Ed Hinerman | Apr 28, 2009 | A1c, diabetes, insurance, life insurance, Type 2 diabetes
I certainly am not going to minimize anything about the swine flu outbreak and if it meets the WHO definition of a “Pandemic” it’s OK with me if they call it that. So I’ve often referred to the type 2 diabetes epidemic and wonder if it would...
by Ed Hinerman | Apr 14, 2009 | A1c, American Diabetes Association, decline, diabetes, Independent agent, insurance, life insurance, obesity, Type 1 diabetes, Type 2 diabetes
This is a verbatim copy of the life insurance information page that the American Diabetes Association provides its’ members with. It’s important to note that much of what was written was put in place when a company called US Financial was still in...
by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
by Ed Hinerman | Mar 10, 2009 | A1c, blood pressure, coronary artery disease (CAD), diabetes, heart disease, hypertension, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
There are probably more than five tips for type 1 and type 2 diabetics who are looking for life insurance and don’t want to pay through the nose for it, but let’s take a quick look at the most important. 1. Educate yourself about your diabetes. Understand...
by Ed Hinerman | Feb 19, 2009 | A1c, diabetes, heart disease, high blood pressure, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
To be honest there is good news and bad news. The bad news is that those life insurance companies who are “diabetic friendly” are in fact very “Ltd”….limited. The good news is that there are a handful of companies that are very fair and...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
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