by Ed Hinerman | Sep 11, 2007 | diabetes, Fat March, heart disease, insurance, life insurance, obesity
The ABC reality weight loss show, Fat March, concluded last night with the remaining 6 participants completing a 575 mile walk from Boston to Washington, DC. Plenty of pounds were shed. Plenty of sore knees to show for it. I have followed Fat March strictly from a...
by Ed Hinerman | Sep 7, 2007 | Alcohol Treatment Life Insurance, heart disease, insurance, life insurance
I mentioned in a post the other day that one of my shortcomings is I have a very generalized philosophy that if a little bit of something is good for me, a lot of it should be great for me. If, whatever it is, can be used in monstrous quantities, who’s to say I...
by Ed Hinerman | Sep 7, 2007 | cholesterol, heart disease, Independent agent, insurance, life insurance
Cholesterol, as I’ve mentioned before, is one of the two leading causes of surprise insurance quote changes. The other is not really knowing what your weight is. A good guess only lasts until the examiner pulls out the scale. But, are insurance companies...
by Ed Hinerman | Sep 6, 2007 | cholesterol, diabetes, heart disease, insurance, life insurance
I have been more than just a little critical of doctors who keep poor records, don’t tell their patients all they deserve to know, and don’t educate their patients about their medical situation. I need to be fair, or at least I’m feeling that need...
by Ed Hinerman | Sep 4, 2007 | cancer, diabetes, Fat March, heart disease, insurance, life insurance
As the Fat March participants near the end of their 570 mile quest for weight loss, pounds continue to disappear and once again we will analyze the weight loss in the context of what impact it would have on life insurance rates. A couple of notes on participants that...
by Ed Hinerman | Aug 30, 2007 | cancer, heart disease, Independent agent, insurance, life insurance, prostate cancer
I’ve often written about the fact that smoking generally increases life insurance rates by at least 100%, all else being equal. The average is really closer to 150% to 200%. Some companies are substantially higher than that. Life insurance underwriters...
by Ed Hinerman | Aug 29, 2007 | diabetes, heart disease, insurance, life insurance, obesity, universal life, whole life
Kind of an ugly image, but the reality is that the US is outgrowing itself by leaps and bounds. You know I will jump on my life insurance band wagon about that, but think about the strain that this will put on the government and health care systems and the increase...
by Ed Hinerman | Aug 27, 2007 | cancer, diabetes, heart disease, insurance, life insurance
I kind of like those cholesterol med commericals on TV. “Is it from bow tie pasta, or your Uncle Bo? Well, family history has been a bone of contention in life insurance underwriting for some time and companies have been all over the map with their treatment of...
by Ed Hinerman | Aug 27, 2007 | cancer, diabetes, heart attack, heart disease, insurance, life insurance
I know when a serious health problem strikes a family member it seems as if the world is crumbling. There is a deep need for a life buoy of some kind out there that will take some of the edge off of the situation. This is the point at which I get many calls wanting to...
by Ed Hinerman | Aug 24, 2007 | heart disease, high blood pressure, insurance, life insurance
I have always been an advocate of, if a moderate amount of something is good for, then a huge amount should be great for you. A glass of red wine a day is supposed to help your chances of avoiding heart disease. So, why not a bottle a day and have the heart of a 20...
by Ed Hinerman | Aug 24, 2007 | cholesterol, heart disease, insurance, life insurance, prostate cancer, PSA
I’ve been accused of harping on some subjects, but I will never be accused of glossing something over or falling short of driving a point home. In our own health, as well as in our quest for lower life insurance rates, knowledge of our own health and educating...
by Ed Hinerman | Aug 23, 2007 | heart attack, heart disease, insurance, insurance quotes, life insurance
It’s been one of those weeks that will drive me to repeating myself. I know I just smacked doctors over the head a few days ago about how they don’t quite explain all the relevant details to their patients. That really puts the patient in a awkward...
by Ed Hinerman | Aug 23, 2007 | breast cancer, cancer, diabetes, heart disease, insurance, life insurance
Mom always said to take my vitamins. Actually she really didn’t, and the truth is that she wasn’t all that big on taking vitamins herself. Who would have ever thought that if she had been taking vitamins regularly and specifically vitamin D, she may not...
by Ed Hinerman | Aug 22, 2007 | cancer, diabetes, heart attack, heart disease
Doctors are famous for leaving out details. I can’t tell you how many people I’ve talked to whose doctors only told them the feel good parts of their health issue. It is fairly common for a heart attack victim to get stress test follow ups. When I ask them...
by Ed Hinerman | Aug 16, 2007 | cancer, diabetes, gastric bypass, heart disease, insurance, life insurance
As a life insurance agent I’ve become used to the term mortality experience, how long a person can expect to live given a set of health issues. It was kind of creepy the one and only time I spoke with someone in the life settlement business. I gave him a...
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