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 | Jan 10, 2009 | bypass surgery, coronary artery disease (CAD), heart attack, heart disease, insurance, life insurance, smoking
Just 10 days into the year. 1/36th of the way through it. We hardly even have our feet wet in the new year yet and I have been bowled over by as much acute denial in this short period than I am in an average month. Is it possible the economic meltdown is causing...
by Ed Hinerman | Jul 21, 2008 | angioplasty, bypass surgery, coronary artery disease (CAD), heart attack, insurance, life insurance
One of the challenges we face each week is finding affordable life insurance for people who have suffered a heart attack, or have undergone angioplasty or heart bypass surgery after having chest discomfort due to blocked arteries. The good news! The folks we are...
by Ed Hinerman | Jun 16, 2008 | coronary artery disease (CAD), diabetes, high blood pressure, insurance, life insurance, Type 2 diabetes
For just about any health issue there is a “sweet spot” for life insurance underwriting, that place where all of the pluses overcome the minuses and a better than usual approval is received. This is especially true of underwriting guidelines for type 2...
by Ed Hinerman | Jun 11, 2008 | cancer, coronary artery disease (CAD), decline, diabetes, hepatitis, Independent agent, insurance, life insurance, prostate cancer
When you apply for life insurance it is not a given that you will get what you want or what you believe you deserve. By far the majority of policies are approved with no surprises. A smaller percentage are approved but at a different rate. And a small percentage are...
by Ed Hinerman | Jun 9, 2008 | angioplasty, bypass surgery, cancer, coronary artery disease (CAD), diabetes, heart attack, Independent agent, insurance, life insurance
Any time I am working with a new client who has had serious health issues, there are specific pieces of information I need that are essential to my ability to provide an accurate quote. On rare occasions people will know the critical information, but most of the time...
by Ed Hinerman | May 24, 2008 | coronary artery disease (CAD), heart disease, Independent agent, insurance, life insurance, obesity, Sleep apnea, stroke
Probably one of the most challenging parts of life insurance is explaining to clients why their, at least to them, seemingly innocuous health issue impacts their life insurance rates. Their belief is that if it isn’t bothering them too much and their doctor...
by Ed Hinerman | May 15, 2008 | asthma, coronary artery disease (CAD), heart attack, insurance, life insurance, smoking
A perfectly healthy person who smokes can expect to pay, best case, twice as much as a person who doesn’t smoke for life insurance. I’ve been on that soap box often enough that I don’t know that I need to beat it to death anymore. With that being...
by Ed Hinerman | Apr 16, 2008 | coronary artery disease (CAD), heart attack, heart disease, insurance, life insurance, obesity, smoking
I have no idea, but if someone has had a heart attack I know that one thing that won’t hurt their feelings is finding affordable life insurance rates. While I may not have a clue about broken hearts, I can shed some light on what life insurance underwriters look...
by Ed Hinerman | Apr 9, 2008 | cholesterol, coronary artery disease (CAD), insurance, life insurance
In a post some months ago I was sharing some of my new found knowledge about ultra fast CT scans and their viability and dependability in detecting clogged arteries in the heart. Just to refresh a bit, the ultra fast CT scan hangs it’s hat on the ability to...
by Ed Hinerman | Jan 24, 2008 | coronary artery disease (CAD), diabetes, heart attack, high blood pressure, Independent agent, insurance, life insurance, obesity, smoking
There are essentially three treatment methods for blocked arteries of the type that can lead to a heart attack. The original and still widely used vessel bypass surgery, angioplasty with a stent inserted in the vessel, and for minor blockage, medication to reduce the...
by Ed Hinerman | Jan 21, 2008 | breast cancer, cancer, coronary artery disease (CAD), diabetes, heart attack, heart disease, insurance, life insurance, obesity, stress, women
In my passion to ensure that the world understands the risks of cancer, obesity and diabetes, I have often referred to heart disease, coronary artery disease, as a collateral health issue. What I have neglected to do is give the number one killer of men and women the...
by Ed Hinerman | Dec 9, 2007 | coronary artery disease (CAD), heart attack, heart disease, hypertension, insurance, life insurance
Even tempered that is! In case you haven’t been out of your house in the last 10 years, it is an increasingly angry society that we live in. That is one of the primary reasons I live in a small town. People are a little more laid back and things like road rage...
by Ed Hinerman | Dec 8, 2007 | cancer, coronary artery disease (CAD), diabetes, insurance, life insurance, obesity, Type 2 diabetes
We have discussed on numerous occasions the rapid increase of obesity in teenagers and the impact that has had on the increase of teenage and young adult type 2 diabetes. It is not a pretty picture that is being painted. Now, the New England Journal of Medicine, has...
by Ed Hinerman | Dec 7, 2007 | blood pressure, coronary artery disease (CAD), diabetes, heart disease, high blood pressure, insurance, life insurance, obesity, Type 2 diabetes
It’s been some time since I’ve just given a diabetes underwriting 101 overview. Some companies have changed stances, but overall the market remains somewhat consistent. Underwriters look at type 2 diabetes from several directions. Age of onset is a fairly...
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