by Ed Hinerman | Feb 7, 2009 | diabetes, heart disease, insurance, life insurance
Seguros de vida ayuda en español? Hinerman Group has always been about serving the unserved and underserved in the life insurance business. We specialize in helping those who can’t get life insurance or run into road blocks getting life insurance through the...
by Ed Hinerman | Feb 5, 2009 | blood pressure, cancer, diabetes, gastric bypass, heart disease, high blood pressure, Independent agent, insurance, life insurance, obesity, Sleep apnea, stroke
Talk about a sensitive issue. The truth is that being overweight isn’t an easy thing to be and it isn’t an easy thing to talk about, and when you are told your life insurance will cost more because of it, it feels like a slap in the face. Having said that,...
by Ed Hinerman | Feb 4, 2009 | bipolar, bipolar disorder, diabetes, insurance, life insurance, mortality, mortality risk
Actually rather than the best change, I think the word clarification is more precise. Sometimes it truly isn’t who you know, but what you know about what underwriters need to see. Case in point is bipolar disorder. Two years ago I didn’t have a clue about...
by Ed Hinerman | Jan 31, 2009 | cancer, children's life insurance, diabetes, epilepsy, insurance, life insurance, Type 1 diabetes
The whole subject of life insurance on children has a certain “yuk” factor that comes with it. Parents, even those who would be hard pressed to deal financially with the loss of a child, would really prefer not to talk about it. I would like to throw out...
by Ed Hinerman | Jan 29, 2009 | diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
I was given a preview of some upcoming changes in diabetes, both type 1 and type 2, life insurance underwriting yesterday. This could open a whole new chapter for some folks that have been shut out due to the high cost or not even being considered based on the type of...
by Ed Hinerman | Jan 12, 2009 | Depression, diabetes, Independent agent, insurance, life insurance, private pilots
Shopping for life insurance is no big trick if you’re healthy, young and boring. This is the one area where the giant on line agencies may actually provide good service. Anything more complicated than young, healthy and boring is definitely where the services of...
by Ed Hinerman | Dec 29, 2008 | blood pressure, breast cancer, cancer, cholesterol, diabetes, obesity, Type 2 diabetes
In reviewing my last post concerning some of the changes in underwriting of life insurance that occurred in 2008, I found some parallels between that and some of the most significant medical breakthroughs of the year. Could it be that underwriters are doing their...
by Ed Hinerman | Dec 26, 2008 | basal cell carcinoma, bipolar disorder, blood pressure, diabetes, high blood pressure, melanoma, Type 1 diabetes, Type 2 diabetes
Considering the turmoil of the economic meltdown that was 2008, it’s always good to find and hold onto bright spots. Here is just a quick review of a few of those bright spots coming from a most unlikely source, life insurance underwriters. For years there has...
by Ed Hinerman | Dec 24, 2008 | bipolar disorder, cancer, Depression, diabetes, heart disease, insurance, life insurance
To all of you have shared in this blog and have helped in our quest to make life insurance less of a mystery and more attainable, Merry Christmas. Whether you have sought our assistance in applying for life insurance that had proved challenging or you just sought us...
by Ed Hinerman | Dec 19, 2008 | cancer, cigar smokers, diabetes, heart disease, Independent agent, insurance, life insurance, smoking, Type 2 diabetes
One of the biggest life insurance rate hits is for those who smoke. There is some logic to that given the link between cigarette smoking and cancer and heart disease, but are the underwriters throwing apples and oranges in the same basket and assuming they all taste...
by Ed Hinerman | Dec 14, 2008 | blood pressure, diabetes, heart attack, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, stroke, Type 2 diabetes
Today would be no exception to my rule that men really don’t see a world that has consequences until they are old enough that they see the consequences happening to others their own age, or even to themselves. I spent part of yesterday evening in the emergency...
by Ed Hinerman | Nov 26, 2008 | cancer, diabetes, insurance, life insurance, obesity, term insurance
One of the things that is hard to drive home to people who are looking for life insurance is the cost of waiting to correct a situation that is keeping them from the rate class they want. Probably the single issue where this comes up most frequently is obesity. Just a...
by Ed Hinerman | Nov 20, 2008 | diabetes, heart disease, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes
We’ve been hitting them out of the park on type 2 diabetes underwriting for quite some time, but that pot at the end of the rainbow, fair underwriting for type 1 diabetes, that we never have been able to get to is finally coming within reach. Given certain...
by Ed Hinerman | Nov 19, 2008 | cancer, diabetes, heart attack, insurance, life insurance, obesity
Being in the life insurance business and having been on the business end of passing on checks for death benefits, I have a real sense of just how much life insurance is needed by the families that receive it and a real passion for helping others understand that buying...
by Ed Hinerman | Nov 19, 2008 | cancer, diabetes, heart disease, insurance, life insurance
Impaired risk, an industry term that refers to life insurance on people with significant health issues, cancer, diabetes, heart disease and such, is an area that we have focused on for some time. While the masses and the giant internet agencies flock to the healthiest...
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