by Ed Hinerman | Aug 9, 2007 | cancer, cholesterol, diabetes, heart disease, hepatitis, high blood pressure, insurance, life insurance, stroke
Barry Bonds now has more home runs than anyone in history. 756!! I tried hitting 50 mph balls in a batting cage one time and hit like one out of twenty or so and it was not home run material. I’m impressed. Some people say he got there with the use of steroids....
by Ed Hinerman | Aug 8, 2007 | diabetes, heart disease, Independent agent, insurance, life insurance, obesity
After being beat up by a body mass index calculator yesterday, I have found an ally in my new found health problem. While life insurance underwriters still take a stance that obesity and some of it’s ugly cousins, diabetes and heart disease, are not going to get...
by Ed Hinerman | Aug 7, 2007 | diabetes, Independent agent, insurance, life insurance, private pilots, Sleep apnea, Type 2 diabetes
There is a misconception in life insurance that there is a common thread running through all the companies and kind of like buying hamburgers, they’re all pretty much the same and all of them charge about the same. The truth is that the differences between life...
by Ed Hinerman | Aug 6, 2007 | diabetes, heart disease, insurance, life insurance, obesity
The number of health problems that could be avoided with a change away from fast food eating habits is huge. The amount of money that could be saved on life insurance if that habit were shot and left for dead would be huge. But ours’ is a society that is easily...
by Ed Hinerman | Aug 3, 2007 | diabetes, heart disease, insurance, liver functions
One of the most important factors in life insurance underwriting of significant health issues such as diabetes or heart disease is a person’s willingness to do what it takes to manage the health problem. If a person is compliant with their medical advice and...
by Ed Hinerman | Jul 31, 2007 | cancer, diabetes, heart disease, insurance, life insurance
Heart disease is no longer the number one cause of death for Americans under the age of 85. Dramatic decreases in the death rate per 100,000 have been cut almost in half for both men and women in a study that spanned 1980 to 2000. This bumped cancer up to the number...
by Ed Hinerman | Jul 30, 2007 | diabetes, insurance, life insurance
From a life insurance standpoint, diet and exercise control of diabetes, if well controlled, would certainly earn the best possible rates that someone with diabetes could expect. But what happens if someone has diabetes and also happens to be an athlete? And not just...
by Ed Hinerman | Jul 27, 2007 | diabetes, Independent agent, insurance, life insurance, Type 2 diabetes
Writing life insurance in New York is challenging on a good day. New York has only recently stepped into the last century as far as insurance law and available products. With the challenges in underwriting life insurance for diabetics, it would behoove someone to drag...
by Ed Hinerman | Jul 26, 2007 | diabetes, hepatitis, Independent agent, insurance, life insurance, liver functions
Hep C is the most common chronic blood borne infection in the United States. The insidious nature of the disease is such that often people will not experience symptoms for years, even decades, after they are infected. Life insurance underwriting for Hep C is a careful...
by Ed Hinerman | Jul 17, 2007 | cancer, diabetes, heart disease, Independent agent, insurance, life insurance, term insurance
The thought of a life insurance agent, for many, conjures up a picture of someone showing up at the house and sitting in the living room with you and very often using a flip chart type of graphic to drive home the point about why you need exactly what he came there to...
by Ed Hinerman | Jul 16, 2007 | diabetes, heart disease, high blood pressure, hypertension, insurance, insurance quotes, obesity, Type 1 diabetes, Type 2 diabetes
If you have type 1 diabetes or type 2 diabetes and have shopped for life insurance, you more than likely ran into a few stumbling blocks, a few roadblocks and some outright dead ends. The real problem is that you probably ran into an agent who didn’t understand...
by Ed Hinerman | Jul 2, 2007 | diabetes, heart attack, Independent agent, insurance, life insurance, private pilots, Type 1 diabetes, Type 2 diabetes
This, for me, just falls into the “go figure” category. Two of the best companies from a product and underwriting stance, MONY and US Financial, were purchased within the last year by AXA Equitable. For a while nothing changed and then snap (my imitation...
by Ed Hinerman | Jun 27, 2007 | diabetes, high blood pressure, Independent agent, insurance, life insurance, private pilots, Sleep apnea
Most sleep apnea is diagnosed first by the person sleeping next to the apneatic. While on a trip to Mississippi after Hurricane Katrina I got to experience firsthand the room shaking impact of sleep apnea. Having some knowledge of the problem and knowing that I could...
by Ed Hinerman | Jun 7, 2007 | cancer, diabetes, heart disease, Independent agent, insurance, life insurance, obesity, Type 1 diabetes, Type 2 diabetes
There are many health things in life that just jump up and grab you. You never see it coming and you would have never dreamed of the impact it could have on your life. The question inevitably runs through your mind. What did I do to deserve this? What could I have...
by Ed Hinerman | May 23, 2007 | diabetes, heart disease, high blood pressure, hypertension, Independent agent, insurance, life insurance, stroke
Well, I guess that depends on the context of the question! I’ll break it into two parts and see if we can make some sense of it. We’ve all had our blood pressure taken at some time and we know that there is the top number (systolic) and the bottom number...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
Recent Comments