by Ed Hinerman | Nov 23, 2011 | blood pressure, cigar smokers, high blood pressure, hypertension, insurance, life insurance, smoking
I know I go through some weeks sure that all life insurance underwriters are kind of mechanical. They look at the records and the labs and look in their underwriting guide and stamp the appropriate approval on it and then on to the next. No emotions. Just the facts...
by Ed Hinerman | May 25, 2010 | blood pressure, high blood pressure, hypertension, insurance, life insurance
I had a screening not too long ago of my carotid artery for any blockage. They also checked the aorta for any sign of aortic aneurysms, and my blood pressure was measured on both arms and both legs to check for any indication of peripheral vascular disease or...
by Ed Hinerman | Jul 27, 2009 | blood pressure, hypertension, insurance, life insurance
There’s nothing that will raise your blood pressure quite like finding out that you are going to have to pay more for your life insurance because you are treated for high blood pressure. Even when it’s well controlled almost all companies feel they need to...
by Ed Hinerman | May 18, 2009 | asthma, blood pressure, diabetes, high blood pressure, hypertension, insurance, life insurance, mortality, mortality risk, obesity, stroke, Type 2 diabetes
Guilty as charged. I am one of those recovering saltaholics that grabs the salt shaker and tops off a meal before I’ve even taken a bite to see if it needs it. I love salt and although I am getting better about at least giving something a taste first, the truth...
by Ed Hinerman | May 14, 2009 | cholesterol, HDL, heart attack, high blood pressure, hypertension, insurance, life insurance, stroke
There are plenty of people that apply for life insurance and are sure they are going to get the best rate class available. In their mind they are even ahead of Superman because he has that disorder that has to do with Kryptonite. These people have never been sick,...
by Ed Hinerman | May 11, 2009 | bypass surgery, diabetes, gastric bypass, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, stroke, Type 2 diabetes
There was a time when I had a whole different view of obesity and gastric bypass. I think the majority of folks still look at the whole thing through somewhat jaded and certainly uneducated eyes. I will just be right up front and ask to be forgiven for the way I felt...
by Ed Hinerman | Mar 23, 2009 | blood pressure, diabetes, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, smoking
I knew a guy who made cabinets for a living. He bid jobs through local contractors and directly to homeowners and I could never figure out how he arrived at the prices he presented. There didn’t seem to be a lot of equity between one quote and the next. Now I...
by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
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 | 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 | Sep 26, 2008 | bipolar disorder, blood pressure, cholesterol, high blood pressure, hypertension, Independent agent, insurance, life insurance
If anything, I hope I’ve driven home the point over the years that life insurance underwriters look at any health issue not just from a pure mortality standpoint, but from a compliance and control point of view. If you look at the overall bucket of potential...
by Ed Hinerman | Jun 24, 2008 | blood pressure, cancer, heart disease, high blood pressure, hypertension, insurance, life insurance, stroke
A lot has been made over the years about diet and exercise being key components of a successful battle with hypertension or high blood pressure. But from the fringes we keep hearing snippets about drinking a glass of wine a day, eating dark chocolate and other things...
by Ed Hinerman | May 22, 2008 | asthma, COPD, heart disease, high blood pressure, hypertension, insurance, life insurance, smoking
I went off a bit on some of the more ridiculous combinations with smoking the other day. Smoking and asthma. Smoking and heart disease, etc. Some guy (blog name Joe Camel (clever)), took some hard swings at the life insurance industry for being so mean to smokers....
by Ed Hinerman | Feb 19, 2008 | bipolar disorder, diabetes, epilepsy, heart disease, high blood pressure, hypertension, Independent agent, insurance, life insurance
As the word sneaks out a little further each day, I have more and more people contacting me and asking if it’s true. Can they get life insurance at affordable rates even though they have bipolar disorder? I wish I could claim that the answer is unequivocally...
by Ed Hinerman | Feb 12, 2008 | heart attack, high blood pressure, hypertension, insurance, life insurance, stroke
So, you’ve been told you have hypertension, high blood pressure in layman’s terms. Your doctor said that you need to take medication and change a few lifestyle items, primarily eating right and getting more exercise. If you are like the majority of high...
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