by Ed Hinerman | Oct 20, 2007 | diabetes, heart attack, insurance, life insurance
On my soapbox again. I have commented frequently on what I consider to be a shortcoming with the majority of doctors, their lack of attempt to educate their patients on their condition and how to pro actively take care of themselves. Some of the most poignant examples...
by Ed Hinerman | Oct 19, 2007 | foreign travel, Independent agent, insurance, life insurance
When you hear about life insurance company concerns with foreign travel, do you ever wonder where they draw the line? I recently shopped for coverage on a corporate jet pilot that did a fair amount of overseas flights. The best offer came back with the caveat that...
by Ed Hinerman | Oct 19, 2007 | cancer, diabetes, foreign travel, heart disease, insurance, life insurance, private pilots, Sleep apnea, stroke, Type 1 diabetes, Type 2 diabetes
Over the years, North American Ccmpany for Life and Health has moved in and out of the impaired risk spot light. Overall though, they would have to be judged as one of the better small companies out there. North American isn’t one of the big boys, but they are...
by Ed Hinerman | Oct 19, 2007 | cancer, diabetes, heart disease, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
Whether it type 1 diabetes and your choice of insulin types, or type 2 diabetes and your choice of the 5000 oral medications on the market, all anyone with diabetes is looking for is a way to take the stress off their body. In a post yesterday, Allie Beatty wondered...
by Ed Hinerman | Oct 19, 2007 | insurance, life insurance, universal life
I cited a study not too long ago that made it clear that many people pass away these days not having used significant portions of there retirement finances. While this money can be passed on through wills or probate, consider this. I know that many people in this...
by Ed Hinerman | Oct 18, 2007 | gastric bypass, insurance, life insurance, obesity, term insurance
Obesity is at epidemic levels in the US. In the past 20 years the trend toward obesity has been dramatic to the point where there are now only 4 states, Hawaii, Colorado, Massachusetts and Rhode Island, where less than 20% of the population has a body mass index of...
by Ed Hinerman | Oct 18, 2007 | insurance, life insurance
What if your neighbor, who doesn’t like you at all, could take out life insurance on you without your knowledge or consent? What if you are in your 70’s or 80’s and your child or caregiver could take out life insurance on you without you being a...
by Ed Hinerman | Oct 17, 2007 | insurance, life insurance
How about those ROCKIES!!!!!!!!!!!!!!!!!!! Hey, since Elway left there hasn’t been a lot to cheer about here in Colorado other than living in one of the prettiest places on the planet. And what does all of this have to do with life insurance? The Rockies are a...
by Ed Hinerman | Oct 17, 2007 | insurance, life insurance
Your family is able to keep their home. A stay at home mom can stay at home. A working dad can become a stay at home dad. Lifestyle doesn’t have to change. Children can be assured of the money it takes to go to college. A stay at home mom can get an education to...
by Ed Hinerman | Oct 17, 2007 | Biggest Loser, Fat March, insurance, life insurance, obesity, term insurance
In previous blogs I covered the ABC weight loss reality show Fat March. The mode of operation was to walk 580 miles from Boston to DC. The weight loss was dramatic, but I mentioned in more than one post that it seemed that the single focus exercise and the brutal...
by Ed Hinerman | Oct 16, 2007 | high blood pressure, hypertension, insurance, life insurance
A collosal coincidence! It turns out that about one third of all Americans, 65 million, have hypertension, defined as blood pressure of 140/90 or higher. We’ve discussed a number of times how high blood pressure can effect your life insurance rates and the...
by Ed Hinerman | Oct 16, 2007 | insurance, life insurance, term insurance
The truth is that most of us, if someone else was paying the bill, would carry more life insurance than we do. When I work with people to come up with a life insurance plan I always insist that they consider budget and do as much as they can within a budget they can...
by Ed Hinerman | Oct 16, 2007 | arrythmia, high blood pressure, insurance, life insurance, obesity
I’m not going to hang myself out there by saying that only overweight people have sleep apnea, but there is plenty of evidence to uphold the idea that most cases of obstructive sleep apnea are caused by excess weight or obesity. While central sleep apnea is...
by Ed Hinerman | Oct 16, 2007 | diabetes, high blood pressure, insurance, life insurance, Sleep apnea
There may be more than one reason to be upbeat about sleep apnea from a life insurance standpoint. As I’ve mentioned in previous posts, there are offers coming in on life insurance for those with mild to moderate, well controlled sleep apnea that can be as good...
by Ed Hinerman | Oct 14, 2007 | diabetes, heart disease, insurance, life insurance
Here I go again! The truth is that affordable life insurance is out there for those with diabetes, but the life insurance underwriter mantra, “monitoring, compliance and control”. Oops, that’s just 3. I just read an article on 7 steps for good...
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