by Ed Hinerman | Jul 29, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
Skin cancer is the most common cancer among both men and women in the US. Life insurance underwriters have shown a lot of movement on their underwriting guidelines for skin cancer over the past several years. Unfortunately, until recently, it didn’t seem to be...
by Ed Hinerman | Jul 11, 2008 | basal cell carcinoma, cancer, insurance, life insurance, melanoma, squamous cell carcinoma
In my experience it is the guys in this world that not the brightest lights on the block when it comes to preventive measures like using sunscreen, wearing hats and not overexposing themselves to the sun. I would put my money on men to be the first sex to be...
by Ed Hinerman | May 28, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
The word cancer used in reference to anything to do with life insurance usually conjures up visions of declines and huge rates. In that regard skin cancer is something of a different animal. Skin cancer is the most common cancer in both men and women, mostly thanks to...
by Ed Hinerman | May 23, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, prostate cancer, PSA
Guys! The boogie man isn’t under the bed, but rather right below our belly buttons, just about a finger’s length up our rear ends. I’m talking about the prostate gland and the fact that 1 in 6 men will get prostate cancer in their life time. Prostate...
by Ed Hinerman | Jan 4, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
If you’ve been around life insurance long enough you begin to see that there are companies whose underwriting guidelines kind of float on the breeze and then there are those who truly do their homework and strive to make reasonable decisions. I have commented in...
by Ed Hinerman | Aug 7, 2007 | basal cell carcinoma, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
While it may be too late for those of us who grew up in the 50’s and 60’s, wearing our sunburns with pride, using sunscreen can certainly cut down on future cases of skin cancer. We have gone over the life insurance underwriting differences of the three...
by Ed Hinerman | Jul 21, 2007 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
Skin cancer is probably one of the most common forms of cancer, especially here in the sunny southwest and growing up in the Rocky mountains as I did with very little between us and the sun’s UV rays. Sunscreen didn’t show up on the scene until I was in my...
by Ed Hinerman | Jul 2, 2007 | basal cell carcinoma, cancer, insurance, life insurance, private pilots, squamous cell carcinoma
Life insurance giant AIG, American General led the way for years in offering the best deals for private pilots looking for life insurance. They took over the market and dominated for several years……and then they bailed. From my perspective it looked like...
by Ed Hinerman | May 16, 2007 | basal cell carcinoma, cancer, diabetes, insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
I just learned today that due to pressure from reinsurance companies, many life insurance companies will be charging higher rates for women who have had gestational diabetes. Again, why do you want an independent life insurance agent?? While many life insurance...
by Ed Hinerman | Apr 14, 2007 | basal cell carcinoma, cancer, Independent agent, insurance, insurance quotes, life insurance, melanoma, squamous cell carcinoma
The various skins cancers and the way in which they are viewed by life insurance underwriters continues to evolve. The three primary skin cancers are basal cell carcinoma, squamous cell carcinoma and melanoma. Not even five years ago it was a given that basal cell...
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