by Ed Hinerman | Apr 7, 2007 | coronary artery disease (CAD), hypertension, Independent agent, insurance, insurance quotes, life insurance, private pilots, Sleep apnea, Type 2 diabetes
Most sleep apnea is diagnosed first by the spouse of the person who has it. Usually they would consider themselves to be the one that suffers from because one of the possible signs of sleep apnea is extraordinarily loud snoring. Actually sleep apnea, left untreated,...
by Ed Hinerman | Apr 6, 2007 | Anxiety, cholesterol, Depression, hypertension, Independent agent, insurance, life insurance
It seems like 30 years ago it was a rare thing indeed to hear of someone who was on medication for depression. Of course back then people really didn’t talk about our problems very openly and the treatment options were generally restricted to visiting a...
by Ed Hinerman | Mar 29, 2007 | coronary artery disease (CAD), hypertension, Independent agent, insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
Four 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. 1. Learn about your diabetes. Be able to explain to an independent agent when it was diagnosed, exactly what your treatment is, and if...
by Ed Hinerman | Mar 25, 2007 | cholesterol, hypertension, Independent agent, insurance, insurance quotes, life insurance, Type 2 diabetes
It used to be that in order to secure the best life insurance quotes a person needed to be nearly Superman, or slightly better if possible. There was certainly a day not all that long ago when treatment for hypertension or high cholesterol would have bumped you from...
by Ed Hinerman | Mar 14, 2007 | cancer, coronary artery disease (CAD), hypertension, Independent agent, insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
Go figure how a website can make it to the top of Google under the search “Life insurance for diabetics” and be completely uninformative and actually misleading. They start off with statements like this, “Once a person is diagnosed with diabetes,...
by Ed Hinerman | Feb 27, 2007 | hypertension, Independent agent, insurance, insurance quotes, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, whole life
Competitive life insurance quotes have long been elusive for people with type 1 or type 2 diabetes. Many life insurance companies are changing the way they view diabetes and recognizing that there is a substantial difference in the mortality experience between those...
by Ed Hinerman | Feb 27, 2007 | hypertension, Independent agent, insurance, insurance quotes, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, whole life
From a life insurance standpoint type 1 and type 2 diabetics used to be thrown in the same underwriting bucket as people who had coronary artery disease or even some types of cancer. Life insurance quotes coming from major companies these days would point to two good...
by Ed Hinerman | Feb 21, 2007 | cholesterol, hypertension, Independent agent, insurance, insurance quotes, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, whole life
Let’s start with an analogy. Suppose you have just made a decision that it is time to buy a car and that, like me, you live in a thriving metropolis of 6000 people. There are two car dealerships, neither of whom have anything close to a large selection, and...
by Ed Hinerman | Feb 21, 2007 | cholesterol, hypertension, Independent agent, insurance, insurance quotes, life insurance, liver functions, Type 1 diabetes, Type 2 diabetes
I don’t think I would be overstating the subject at all if I said that at least once a week I have a client who, for the first time, discovers they have a health issue because the life insurance exam lab results bring it to light. Some of the most frequent...
by Ed Hinerman | Feb 19, 2007 | hypertension, Independent agent, insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
Because of all of the health risks associated with poorly controlled type 1 diabetes and type 2 diabetes, life insurance underwriters take a cautious approach. What the underwriters are looking for can be summed up in three words. Control! Control! Control! While the...
by Ed Hinerman | Feb 19, 2007 | hypertension, insurance, insurance quotes, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life
Unless your worst affliction in life was a sneezing fit 5 years ago, you may have discovered that life insurance often comes at a higher rate due to certain health issues. While you may not get the same rates as superman if you happen to be a type 2 diabetic, good,...
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