by Ed Hinerman | Aug 3, 2011 | cholesterol, HDL, insurance, life insurance
Just when you have everything comfortably figured out some scientist or doctor or study throws a curve ball at you. Cholesterol was something we all finally got. We knew that if our cholesterol was 200 or under and our LDL, HDL and triglycerides were in the...
by Ed Hinerman | Jun 2, 2011 | cholesterol, insurance, life insurance, pilot, private pilots
I get industry updates almost daily when companies believe they have a niche that is going to the the magic bullet for a client. Sometimes I wonder if anyone really thinks it through before they yell, “Hey, look at us!” I’m a big fan of United of...
by Ed Hinerman | Dec 4, 2010 | A1c, bypass surgery, cholesterol, decline, insurance, life insurance
I suppose there are a few people who apply and know for a fact that they will be declined life insurance coverage. I’ve actually had calls from people who were in the hospital having just undergone heart bypass surgery. They asked about getting life insurance,...
by Ed Hinerman | Jun 4, 2010 | blood pressure, cholesterol, insurance, life insurance
That’s a life insurance question that’s easy to quantify in numbers. At age 57 if I wanted $500,000 of 20 year term insurance and I qualified for the best rate class, preferred plus, I could expect to pay $1840 annually, about $161 a month. If for some...
by Ed Hinerman | May 6, 2010 | cholesterol, insurance, life insurance
I have a client who is an internal medicine doctor. It is his opinion that the importance of cholesterol levels and their relevance to potential coronary artery disease are overstated. This is problematic for him (and his patients) when it comes to acquiring life...
by Ed Hinerman | Apr 22, 2010 | cholesterol, HDL, insurance, life insurance
For years the underwriting benchmark for life insurance’s best rate class has been a cholesterol ratio of 5.0, 4.5 by some more conservative companies. The cholesterol ratio is determined by dividing total cholesterol by HDL, good cholesterol. For instance,...
by Ed Hinerman | Mar 2, 2010 | cholesterol, conversion, insurance, life insurance
Of course that questions begs another question. Has common sense ever been a standard of life insurance underwriting? The real answer is yes. Absolutely yes. Before the big changes that came with the shrinking number of reinsurance companies and before we were...
by Ed Hinerman | Dec 28, 2009 | cholesterol, HDL, insurance, life insurance
Life insurance underwriting is kind of like sand dunes. You can take a picture at the beginning of a year and it can be absolutely clear where every grain of sand lies. The exact same picture taken at the end of the year could easily have been taken on another planet....
by Ed Hinerman | Oct 14, 2009 | cholesterol, insurance, life insurance
Ahh, the less than perfect approval on your life insurance application. The temptation to take your bat and ball and go home and never play again. The desire to get back back at the company by not purchasing life insurance and not providing protection for your family....
by Ed Hinerman | Oct 1, 2009 | cholesterol, insurance, life insurance
You’re applying for life insurance and they just sucked your blood and made you pee in a cup. You deserve to know what they know and there is no better way to do that than to request a copy of your labs. I have long like the proactive approach that West Coast...
by Ed Hinerman | Aug 6, 2009 | cholesterol, high blood pressure, insurance, life insurance
I am beginning to believe that our little mountain town here in one of the healthiest states according to several studies, is home to a bunch of closet cholesterol snarfers. I know you don’t really snarf cholesterol, but I also know that if you do the typical...
by Ed Hinerman | Jul 27, 2009 | cholesterol, insurance, life insurance
It always amazes me the way men proclaim how many years it’s been since they’ve seen a doctor and say it like they’re proud, like it’s a badge of honor to ignore your health. I’ve been working on a life insurance application for a local...
by Ed Hinerman | Jun 4, 2009 | cholesterol, insurance, life insurance
If I had to choose one life insurance underwriting guideline that causes more consternation than any other it would be the subject of cholesterol. I still get all tied in knots over the debate concerning cholesterol that I had with ING Reliastar In December and...
by Ed Hinerman | Jun 3, 2009 | cholesterol, insurance, life insurance
A potential life insurance client was interviewing me the other day and asked why he should put confidence in my quote for a better rate on term life insurance than he was currently paying. Certainly a fair question and one that goes right to the meat of our business...
by Ed Hinerman | Jun 2, 2009 | cholesterol, diabetes, insurance quotes, life insurance
I’m going to make up some statistics for the sake of this discussion. They may not be completely accurate, but I suspect they are close enough for government work. Do I get TARP money for saying that? It is my belief that 75% of men don’t know what their...
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