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Home » Biggest Loser

Weight Loss Surgery Life Insurance View!

by Ed Hinerman | Mar 7, 2014 | Biggest Loser, BMI, build, doctor's recommendation, gastric bypass, impaired risk life insurance, insurance, life insurance, life insurance approval

As life insurance companies have turned in the direction of more conservative underwriting of build (height, weight, bmi), the last 10 years has seen them really embrace weight loss surgery for the morbidly obese. That sure wasn’t always the case with gastric...

Does Obesity Life Insurance Require Drastic Measures?

by Ed Hinerman | Jul 12, 2012 | Biggest Loser, Fat March, insurance, life insurance, life insurance approval, mortality, mortality risk, obesity

There are several ways to deal with an out of control weight problem from a health standpoint, but from a life insurance point of view it’s pretty clear cut. If you are morbidly obese the best case is that you will have to pay more than the average person for...

Companies That Work Hard On Weight Issues!

by Ed Hinerman | Dec 1, 2011 | Biggest Loser, diabetes, heart disease, insurance, life insurance, obesity

There is probably no one more prevalent issue that affects life insurance underwriting more than weight. With 30+% of our country meeting the criteria for being obese, face it, every application we get has a 1 in 3 chance of build and BMI being an underwriting issue....

Biggest Loser Again Takes On Obesity!

by Ed Hinerman | Jan 18, 2010 | Biggest Loser, insurance, life insurance, obesity

The NBC reality show Biggest Loser has kicked off another season and another chance to drive home to our country just how out of control obesity is and, well, how much work it takes to overcome it once you’ve lost control. I haven’t watched the show since...

What’s The Big Fat Deal About Obesity And Life Insurance?

by Ed Hinerman | Jun 19, 2008 | Biggest Loser, Fat March, Independent agent, insurance, life insurance, obesity

I have often written about the downside of life insurance underwriting of weight issues, but there actually an upside. Back when I was posting weekly about the reality TV shows Fat March and Biggest Loser, while I did point out the health issues that can be caused by...

Biggest Loser Loser!

by Ed Hinerman | Oct 25, 2007 | Biggest Loser, insurance, life insurance, obesity

NBC’s weight loss “reality” show Biggest Loser crossed the line this week. I have steadfastly supported the show and the weight loss and have stayed the course in using this as a forum to discuss obesity and the collateral health issues it causes....

Biggest Loser Doing It Right!

by Ed Hinerman | Oct 17, 2007 | Biggest Loser, Fat March, insurance, life insurance, obesity, term insurance

In previous blogs I covered the ABC weight loss reality show Fat March. The mode of operation was to walk 580 miles from Boston to DC. The weight loss was dramatic, but I mentioned in more than one post that it seemed that the single focus exercise and the brutal...

Biggest Loser Gains Momentum!

by Ed Hinerman | Oct 10, 2007 | Biggest Loser, cancer, diabetes, heart disease, insurance, life insurance, obesity

A lot more weight loss this week. They did it while on vacation in Jamaica. Congratulations to all of them. I can tell you that I’ve certainly never lost weight on a tropical vacation. Again, the drama and game of the show is not my focus. Obesity carries some...

Biggest Loser On The Move!

by Ed Hinerman | Oct 9, 2007 | Biggest Loser, insurance, life insurance, term insurance

After episode 3’s relatively low weight loss, except for the red team, weight starting falliing off again. Again, my goal with this blog is not to talk about the drama of the game, but rather the health and life insurance aspects of weight loss. With each weigh...

Biggest Loser Medical Director Speaks Out!

by Ed Hinerman | Oct 8, 2007 | Biggest Loser, cancer, diabetes, heart disease, insurance, life insurance, obesity

Yes, I know I’m a week behind on tracking the Biggest Loser stats, and I promise to have all the new numbers posted before tomorrow’s show. I have been attempting to reach someone connected to the NBC Biggest Loser reality weight loss show concerning their...

NBC Is The Biggest Loser!

by Ed Hinerman | Sep 23, 2007 | Biggest Loser, cancer, diabetes, heart disease, insurance, life insurance, obesity

I attempted to share some of my thoughts on obesity and health issues, and how NBC was in a unique position to speak to the problem with their huge audience for semi-reality show Biggest Loser. I attempted to comment on Ali’s blog. Alison Sweeny is apparently a...

Obesity Is An All Too Common Thread In Health Problems!

by Ed Hinerman | Sep 22, 2007 | Biggest Loser, breast cancer, cancer, cholesterol, diabetes, heart disease, high blood pressure, hypertension, Sleep apnea, stroke, Type 2 diabetes

In writing an article on gestational diabetes for our new website that will go live this coming week, I was discussing risk factors and up pops obesity……again. It seems that almost without fail, no matter what the health issue, obesity either helps cause...

The Answer To A Biggest Loser Question

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...

Biggest Loser Dropping Pounds And Life Insurance Rates!

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....

Biggest Loser Has A Medical Discussion Blog!

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...
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Ed has been my insurance rock for decades. He's trustworthy, cordial, efficient and diligent. He checks in on me... frequently to see if I'm in need of anything. He's always made me feel like not just a client but a friend. The Hinerman Group deserves my highest recommendation. Joe D'Angeloread more
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I've known Ed for 16 years now and he has helped me when other insurance providers either turned me down or simply... didn't want to deal with me at all. I have a lot of medical issues that make it difficult if not impossible to be insured but Ed worked with me to keep my policy active. He also gave me a 'heads-up' to save me money by renewing prior to an age related rate increase. I would recommend Ed (and have) to anyone looking for coverage- one of the nicest guys I've ever had the pleasure of knowing.read more
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In the business of Insurance there are so many to chose from. My decision was correct when choosing Ed Hinerman. He... works hard to get me the best policy and is responsive to my calls and emails.read more
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Ed is a pleasure to work with. He was there when I needed someone to listen and advise. He assisted me when no one... else could. I am very grateful and appreciative of his commitment and dedication to customers. I highly recommend him and his firm!!!read more
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Ed has been our insurance agent for over 25 years. We think of him as a friend. He has always been there to give us... quick, accurate, and compassionate advice during the ups and downs of our lives. We trust Ed and the Hinerman Group to always have our best interest at heart. Our words to describe Ed...knowledgeable, trustworthy, a friend.read more
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Ed recently hired my company, Search Centered Digital Marketing, to work on a small project for Hinerman Group. Ed was... detailed in his communication and in-depth in his questions regarding the process. Ed was a great client and I have all confidence in recommending my CO friends to Ed for all their home and life insurance needs.read more
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Ed Hinerman has been my life Insurance agent for the past 7 years. Impeccable service that is professional, prompt and... informative. Ed knows where to shop to get the most from insurance carriers that I do not have access. Ed understands my needs as a doctor and business owner. If you are looking for an agent you can trust that is full service than let Ed represent you. He has access and relationships to chief underwriters at insurance carriers able to offer great terms and premiums to insure high net worth individuals and the resources to give you introductions beyond life insurance to other trusted agents for disability, key man and office overhead. Thanks, Ed!read more
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Replacing Your Current Life Insurance Can Be A Smart Move

Apr 10, 2021

Why Would You Want To Replace Your Current Life Insurance? There is a mindset with life insurance that once you have it in place, don't mess with it. This is sound logic if you are satisfied with what you have and you know for a fact that it is the best product at the...

USAA Not The Best Choice For Life Insurance!

Nov 18, 2020

I first wrote this post five years ago in reaction to a client who had put their faith in USAA. They were a veteran and, after all, USAA makes much of being America's patriotic insurance company. Their experience with USAA was nothing short of insulting, not just to a...

Do You Trust Your Life Insurance Agent?

Nov 10, 2020

I wrote this post the summer of 2016, a much simpler time in our country. The problem I addressed then is still around and just adding to the challenges our nation faces. I am updating this post because the fundamental question of who you trust always needs to remain...

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