by Ed Hinerman | Jan 26, 2008 | cancer, Independent agent, insurance, life insurance, prostate cancer
One of the treatment options with older men and younger men with slow growing prostate cancer has always been “watchful waiting”. The premise with older men is that very often the treatment is unnecessary as the cancer never advances far enough to cause...
by Ed Hinerman | Jan 25, 2008 | bipolar disorder, Independent agent, insurance, life insurance
I’m not sure why I woke up this morning wondering if there are bipolar jokes, but I did. I’ve always been a fan of the “top 10 reasons” type of humor. Probably a spin off from enjoying Jeff Foxworthy. Tucked away on a site that offered bipolar...
by Ed Hinerman | Jan 24, 2008 | coronary artery disease (CAD), diabetes, heart attack, high blood pressure, Independent agent, insurance, life insurance, obesity, smoking
There are essentially three treatment methods for blocked arteries of the type that can lead to a heart attack. The original and still widely used vessel bypass surgery, angioplasty with a stent inserted in the vessel, and for minor blockage, medication to reduce the...
by Ed Hinerman | Jan 22, 2008 | cancer, Independent agent, insurance, life insurance
If you have ever had the pleasure of spending a few minutes with me on a health interview, you might think I’m being just a bit too nosy. Not that I ask a lot of questions and I assure you that none of the questions go outside the scope of life insurance...
by Ed Hinerman | Jan 22, 2008 | cholesterol, Independent agent, insurance, life insurance
If we have established anything over the past 500+ posts in this blog, it’s that no two life insurance companies underwrite exactly the same. Cholesterol and cholesterol ratios (total/hdl) are carefully viewed in the labwork done for life insurance. Because of...
by Ed Hinerman | Jan 14, 2008 | bipolar disorder, Independent agent, insurance, life insurance
After studying several forums and reviewing insurance websites over the weekend, it seems the tendency to bulk all bipolar into one package is well, just easier, than dealing with the individual cases. The bad news is that the package everyone is bulked into is the...
by Ed Hinerman | Jan 11, 2008 | bipolar disorder, Independent agent, insurance, life insurance
Other than the fact that you can get good news about bipolar and life insurance from my blog most anyday, there aren’t a lot of folks spreading good news about bipolar. A recent University of Pittsburgh study has shed some light on the use of light boxes as a...
by Ed Hinerman | Jan 9, 2008 | Independent agent, insurance, life insurance, smoking
I’ve explained in plenty of detail how life insurance rates are effected by smoking. In general, a person who smokes will pay 2-3 times more than a non smoker in comparable health. There is just no question that underwriters believe that there is a significant...
by Ed Hinerman | Jan 4, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
If you’ve been around life insurance long enough you begin to see that there are companies whose underwriting guidelines kind of float on the breeze and then there are those who truly do their homework and strive to make reasonable decisions. I have commented in...
by Ed Hinerman | Jan 2, 2008 | cancer, diabetes, high blood pressure, Independent agent, insurance, life insurance
Now that we have all of the 2007 excuses out of your system, let’s get down to business. You have responsibilities and you should have life insurance. You all recognize that, so here’s what to do. Find a good independent insurance agent. Made that easy...
by Ed Hinerman | Dec 29, 2007 | Burial insurance, final expense life insurance, Independent agent, insurance, life insurance, universal life, whole life
When I sold my first final expense (burial) life insurance policy nearly 30 years ago, it had a face amount or death benefit of $7000. It was certainly, at that time, adequate to properly bury someone and even have a little left over to host a wake. I still get 10-20...
by Ed Hinerman | Dec 26, 2007 | children's life insurance, Independent agent, insurance, life insurance, private pilots
There are nearly 2000 companies in the US that purport to be life insurance companies. When you work your way through all of the “sort of’s” and “wanna be’s”, and get down to those companies that are serious about the products they...
by Ed Hinerman | Dec 24, 2007 | bipolar disorder, Independent agent, insurance, life insurance
Since studying and becoming more active in the life insurance needs of people with mood disorders, it has become apparent that many life insurance agents and companies have a knee jerk reaction to anyone with bipolar disorder. And those knees aren’t jerking in...
by Ed Hinerman | Dec 15, 2007 | Independent agent, insurance, life insurance
30% of Christmas shopping this year will be done on line with no contact with another human at all. At least when you use an independent life insurance agent that is licensed in all the states, even though they aren’t down the block, the agent is human. If they...
by Ed Hinerman | Nov 16, 2007 | blood pressure, cholesterol, cigar smokers, Independent agent, insurance, life insurance, term insurance
Just when you think you’ve seen it all! MSNBC takes the big bucks from Selectquote to misrepresent term insurance on national TV. Suze Orman is given the green light to puke out life insurance stupidity at Oprah’s expense. And now. CNN has obviously...
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