by Ed Hinerman | Sep 26, 2007 | Anxiety, Depression, Independent agent, insurance, life insurance
Life insurance underwriters have their hands full trying to sort through all of the possibilities with an applicant suffering an anxiety disorder. I had in my mind that it was just this simple. People had depression and they were down. People had anxiety disorders and...
by Ed Hinerman | Sep 25, 2007 | breast cancer, cancer, insurance, life insurance
Breast cancer is the second most common cancer among women. As with men, the most common is skin cancer. Over 40,000 women will die from breast cancer this year and that represents a steady decrease in the number of breast cancer deaths since 1990. Some important...
by Ed Hinerman | Sep 24, 2007 | cancer, diabetes, heart disease, insurance, life insurance, obesity, Type 2 diabetes
I remember as a child that I ran my parents ragged trying to keep up with me. I had feet and legs in good operating order, a bike whose operating order was questionable, and a passion to be busy from daylight to bedtime. I wore my parents out just trying to keep tabs...
by Ed Hinerman | Sep 24, 2007 | insurance, life insurance, term insurance, universal life
I feel like I’m in a movie, a thriller called Universal Life Exposed. Rather than getting the movie right and then releasing it, each time a viewer doesn’t get the plot, we re-shoot the movie. So, Universal Life Exposed, scene 1, take...
by Ed Hinerman | Sep 23, 2007 | Biggest Loser, cancer, diabetes, heart disease, insurance, life insurance, obesity
I attempted to share some of my thoughts on obesity and health issues, and how NBC was in a unique position to speak to the problem with their huge audience for semi-reality show Biggest Loser. I attempted to comment on Ali’s blog. Alison Sweeny is apparently a...
by Ed Hinerman | Sep 22, 2007 | Alcohol Treatment Life Insurance, cancer, DUI, insurance, life insurance, liver functions
Not too long ago I discussed life insurance exam labs results. I mentioned that the tests were not always tests that would lead to a diagnosis of a specific problem, but were tests that often exposed the tip of the iceberg, where a more serious problem might lie...
by Ed Hinerman | Sep 22, 2007 | Anxiety, cancer, cholesterol, Depression, heart disease, insurance, life insurance, private pilots, term insurance, universal life
For the next several weeks I will be occasioanally giving information on the companies that I use. Each of these companies has a strong point or they would’t be in my portfolio. Each of them has weak points and these are things I consider when I am...
by Ed Hinerman | Sep 21, 2007 | foreign travel, insurance, life insurance
I never stop looking on behalf of people who just can’t seem to get an offer on life insurance. I’ve literally work for years before finding a client the policy they needed. Because I didn’t have a company that would touch it, I have literally had to...
by Ed Hinerman | Sep 21, 2007 | Attention Deficit Disorder, high blood pressure, insurance, life insurance, Sleep apnea, stroke
A client I worked with this week was a little miffed because Met Life didn’t come through with the rate the agent said they would, even though he had divulged his health history and his labwork was perfect. Apparently he quoted the client $1800 a year and it was...
by Ed Hinerman | Sep 21, 2007 | Biggest Loser, insurance, life insurance
A comment from Katie on my first Biggest Loser post asked, “what would be the rate the trainers would pay? so what is the difference between a trainer and a contestant’s payment, when both are the same height?” I responded, ” Katie, Since I don’t...
by Ed Hinerman | Sep 21, 2007 | cancer, cholesterol, heart attack, insurance, life insurance
Every once in a while I get hit with a client who just doesn’t see the value in seeing a doctor. The old “if it ain’t broke” attitude. Why see a doctor if you aren’t sick? According to CNN.com 43% of men get annual physicals. I’m...
by Ed Hinerman | Sep 21, 2007 | cancer, insurance, life insurance, prostate cancer, PSA
Here is another area where men just don’t follow through and do the right things. Doctors say that after age 50 we should have our PSA (prostate specific antigen) checked once a year. No big deal. A little blood and a relatively inexpensive test. OK, all you...
by Ed Hinerman | Sep 20, 2007 | breast cancer, cancer, insurance, life insurance, prostate cancer
Having heard, in excruciating detail, the whole mammogram procedure from my wife, I can tell you that I would understand why women might be reluctant to have them done as frequently as doctors would like them to. Breast cancer is certainly an ominous enough issue to...
by Ed Hinerman | Sep 20, 2007 | diabetes, heart disease, insurance, life insurance
All right guys! There is the statistic out there that has been bugging me for years. Women, on average, outlive us by 5 years. Because life insurance companies can count on women to follow through with their end of the bargain, the give them better life insurance...
by Ed Hinerman | Sep 19, 2007 | Biggest Loser, insurance, life insurance, obesity
As discussed in my first post for Biggest Loser, NBC’s reality weight loss show, from a life insurance perspective, there is more to the picture than just weight. Life insurance rates are based on mortality assumptions, how long a person might expect to live....
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