by Ed Hinerman | Oct 28, 2007 | diabetes, heart attack, Independent agent, insurance, life insurance, prostate cancer
Mitral valve prolapse sounds a little ominous, and to see the knee jerk reaction some life insurance companies have when they underwrite it, you would swear it was right up there with heart attacks. Not so. Mitral valve prolapse is simply a slight thickening in one of...
by Ed Hinerman | Oct 28, 2007 | diabetes, high blood pressure, hypertension, insurance, life insurance, obesity, stroke
Well, shake up a bottle of soda, unscrew the lid, and when you get through cleaning up the mess, let’s discuss the problem with high blood pressure. While you probably aren’t going to explode all over the kitchen if your blood pressure is high, it is no...
by Ed Hinerman | Oct 26, 2007 | cancer, insurance, life insurance
My mom sent me a letter to the editor from their local newspaper the other day, a letter in which the claim was made that government was suppressing a known, proven cure for all cancer, ground apricot pits, also known as laetrile. This writer lumped the FDA, drug...
by Ed Hinerman | Oct 26, 2007 | cancer, insurance, life insurance, prostate cancer
In an article on our soon to be “released” prostate cancer website I review all of the treatment options available. For elderly men, those between 65 and 80, with low to medium grade prostate cancer, “watchful waiting” is often considered to be...
by Ed Hinerman | Oct 25, 2007 | diabetes, heart attack, heart disease, insurance, life insurance, Type 2 diabetes
There really isn’t anything funny about this situation, but I always find myself shaking my head and thinking how odd it is! I talked to a man who inquired about life insurance today. He had an extraordinary health history. He had type 2 diabetes diagnosed about...
by Ed Hinerman | Oct 25, 2007 | Biggest Loser, insurance, life insurance, obesity
NBC’s weight loss “reality” show Biggest Loser crossed the line this week. I have steadfastly supported the show and the weight loss and have stayed the course in using this as a forum to discuss obesity and the collateral health issues it causes....
by Ed Hinerman | Oct 25, 2007 | breast cancer, cancer, diabetes, heart disease, Independent agent, insurance, life insurance, obesity, private pilots
In an effort to serve more completely the needs of those whose health can make getting affordable life insurance a challenge, Hinerman Group is moving ahead with new “health challenge specific” websites. My passion has always been to foster discussion and...
by Ed Hinerman | Oct 24, 2007 | insurance, life insurance, term insurance
There are a lot of women out there who pay attention to the advice that comes from the Oprah show and when it comes to finances, it’s Suze Orman. Run from this woman if she tries to give you life insurance advice. As a life insurance professional I found it...
by Ed Hinerman | Oct 24, 2007 | breast cancer, cancer, Independent agent, insurance, life insurance, obesity
Obesity, which often leads to heart disease, the number one killer of women, has now been linked to the number two cancer in women, breast cancer. Let’s be frank about this. I am constantly reading studies and articles and I have yet to find anything that would...
by Ed Hinerman | Oct 23, 2007 | cancer, insurance, life insurance
The answer to that question would be….no cancer to underwrite! It seems that since cancer has been diagnosed and understood, there has been a constant supply of studies and advice on how to prevent cancer. Prevention of cancer! How good would that be? Think of...
by Ed Hinerman | Oct 23, 2007 | insurance, life insurance, prayer
I often use news stories to make a point about life insurance. Ran across a story today that I won’t use, but just want to pass along…..just on the off chance that you didn’t have any focus for your prayer today.
by Ed Hinerman | Oct 23, 2007 | breast cancer, cancer, insurance, life insurance, prostate cancer
I have mentioned before that if we all knew the date and time and perhaps the reason for our death, well ahead of time, it might change the need for life insurance dramatically. With time to plan it is possible to put money somewhere other than life insurance and...
by Ed Hinerman | Oct 22, 2007 | insurance, life insurance
I remember a case a year or so a go when a client had undergone some very minor outpatient procedure during the underwriting of a life insurance application. The reason for the operation was hardly a mortality issue and he was back to work within a few days. I was a...
by Ed Hinerman | Oct 21, 2007 | cancer, heart disease, insurance, life insurance, prostate cancer
I am always surprised by the number of cigarette smokers who inquire about life insurance and when they find out what the cost is, they suddenly lose all interest. The difference in cost is likely no where near what they are spending on the habit, but they...
by Ed Hinerman | Oct 21, 2007 | insurance, life insurance
I can remember learning the fine art of selling the spouse add on, or spousal rider nearly 30 years ago. The primary reason that most wives were added as riders back then is that the premium on their insurance was so low that it cost the company more to write a...
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