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Home » cholesterol

The Old Folks Life Insurance Advantage!

by Ed Hinerman | Oct 26, 2016 | blood pressure, build, cholesterol, diabetes, family history, insurance, life insurance, over 50 life insurance, over 60 life insurance, Type 2 diabetes

Ah, the joys of being somewhere post mid life and nearly as old as dirt. It seems that we get focused on the negatives like the aches and pains and trying to figure out if retirement is a gift or a joke, and we don’t take time to grab on to the big advantages...

How Life Insurance Has Changed!

by Ed Hinerman | Oct 26, 2016 | blood pressure, cholesterol, family history, HDL, insurance, life insurance

We’ve all heard the the more things change, the more they stay the same (something like that) and there are plenty of areas in life where change grinds so slowly that, well, we might all be using our life insurance before we actually see it really, really...

The Real Frustrations of Life Insurance!

by Ed Hinerman | Dec 22, 2015 | application process, approval, bipolar disorder, cholesterol, family history, height and weight, insurance, lab results, life insurance

I decided to dust off my keyboard today and talk just a little bit about why this blog and my opinions on life insurance underwriting have hit home, struck deep, rang the bell and put life insurance back on the table for so many who are able to translate and follow my...

The Change In Life Insurance Cholesterol Underwriting!

by Ed Hinerman | Oct 31, 2012 | blood pressure, cholesterol, HDL, high blood pressure, insurance, life insurance

A few years back I fought a bloody battle with an underwriter from ING over what today still stands as the most illogical piece of underwriting I have ever run in to. Not that the two events are in any way related, but I won the battle  and then watched company after...

The Role Of Compliance And Control in Life Insurance!

by Ed Hinerman | Sep 28, 2012 | A1c, blood pressure, cholesterol, decline, diabetes, insurance, life insurance

I can remember a time when hardly a post left my computer without the words compliance and control somewhere in the text. The issues are no less important now and since it seems to be something that has popped up in several cases lately, well, let’s just kick it...

Is 50 The Magic Age Of Doom For Life Insurance Prices?

by Ed Hinerman | Jul 23, 2012 | blood pressure, cholesterol, insurance, life insurance, life insurance approval, term insurance

The general public believes they have it figured out and that after age 50 life insurance prices take an astronomical leap into a realm delegated only to those with so little time left that express applications start to take on some real importance. To lend some...

Responsibiity! Love It Or Leave It Alone!

by Ed Hinerman | Apr 10, 2012 | cholesterol, insurance, insurance quotes, life insurance

It’s not like I’m some grumpy old guy that just thinks young men are stupid. There are a lot of refreshingly intelligent and down to earth young men out there who believe in stepping up to the plate, especially when it’s a plate of their own making....

Is Stress The New Normal In Our Lives?

by Ed Hinerman | Jan 19, 2012 | Anxiety, bipolar disorder, cholesterol, Depression, high blood pressure, insurance, life insurance

As I come to grips with the fact that I am going to have to switch from Windows XP to Windows 7 and from Outlook Express to Outlook, I am a bit stressed. To bring you up to speed on the kind of stress I am going through, I wrote this post this morning. Because I am...

Holy Triglycerides Batman! Who Was That Masked Lipid?

by Ed Hinerman | Jan 7, 2012 | cholesterol, HDL, insurance, life insurance

I recently shared about an insurance applicant who was approved by Transamerica at table 4 due to some admirably huge lipid readings. His Trigs were 862, total cholesterol 348 and HDL/total ratio 9.25. I encouraged him to take those results directly to his doctor. I...

A Real Live Lipid Farm. Can It Be Insured?

by Ed Hinerman | Dec 19, 2011 | cholesterol, insurance, life insurance

I remember a few years ago when my wife was running scared because her cholesterol on the results from our community health fair were over 200, just barely. Her HDL was 60. She might die from worrying, but her arteries weren’t plugging. Late last week I had a...

Make That Underwriter Walk The Plank!

by Ed Hinerman | Dec 16, 2011 | A1c, cholesterol, Depression, diabetes, insurance, life insurance

On the subject of fair life insurance underwriting I can certainly be found on both sides of he fence. Sometimes I think the underwriting consideration is completely fair, something that based on the information is something the client is just going to have to accept....

Did Your Life Insurance Agent Throw In The Towel?

by Ed Hinerman | Dec 6, 2011 | cholesterol, Independent agent, insurance, insurance quotes, life insurance

Where has our American “get er done” philosophy gone? It seems like I run into cases everyday where a person’s life insurance agent gives up if they application is not approved at the rate they thought their customer would get, or even declined. I...

Treated Unfairly For Living In 2011?

by Ed Hinerman | Dec 3, 2011 | Anxiety, bipolar, bipolar disorder, blood pressure, cholesterol, Depression, insurance, life insurance

It’s 2011 for a little while longer and it seems that only a few life insurance companies have caught on to the fact that life in our great country is a little more stressful than it used to be. You don’t need to look any further than the CDC (Center for...

Disasters In Life Insurance Are Not Natural!

by Ed Hinerman | Oct 31, 2011 | cholesterol, Dave Ramsey, ING Reliastar, insurance, life insurance

There seems to be a mindset that life insurance applications probably won’t be approved at the rate that was quoted and applied for. This is a far more prevalent mindset today with so many hundred of thousands of applications being jammed through life insurance...

Blood Pressure And Cholesterol Underwriting Loosen A Bit!

by Ed Hinerman | Oct 12, 2011 | blood pressure, cholesterol, insurance, life insurance

It’s been a long time since most insurance made any kind of fuss over being treated for cholesterol. As long as it was well controlled you could count on best rate class approvals. Now companies have jumped on the cholesterol ratio band wagon and are allowing...
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