by Ed Hinerman | May 16, 2007 | basal cell carcinoma, cancer, diabetes, insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
I just learned today that due to pressure from reinsurance companies, many life insurance companies will be charging higher rates for women who have had gestational diabetes. Again, why do you want an independent life insurance agent?? While many life insurance...
by Ed Hinerman | May 15, 2007 | cancer, coronary artery disease (CAD), diabetes, heart disease, Independent agent, insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
When completing a health interview before receiving a life insurance quote from your independent life insurance agent, you will be asked a family history question. Most companies want to know if any member of your immediate family (defined as mother, father and full...
by Ed Hinerman | May 12, 2007 | cancer, coronary artery disease (CAD), Depression, Independent agent, insurance, life insurance, Type 2 diabetes
I read an interesting blog on www.thediabetesblog.com today written by Chris Sparling. Citing a study done by Northwestern University, he takes exception to their conclusion that depression can cause diabetes. My take on that is that it is probably the other way...
by Ed Hinerman | May 11, 2007 | Independent agent, insurance, life insurance
Probably the most disgruntled life insurance clients get is when they are told that their insurance is going to cost more because their estimate of their weight was off, or they weren’t really 5’9, but 5’8 1/2 (which examiners round down, not up)....
by Ed Hinerman | May 11, 2007 | diabetes, hypertension, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
Allie Beatty who writes for www.thediabetesblog.com brought up a question about how staunch life insurance underwriters are about the HbA1c being the benchmark for determination of control for type 1 and type 2 diabetes. It was her contention that, especially with...
by Ed Hinerman | May 9, 2007 | cancer, coronary artery disease (CAD), diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
Quite often the habits that lead to coronary artery disease, diabetes, cancer and several other major health conditions start when our kids our young. What a great service we would be doing for them and ourselves if we made these health issues a topic of...
by Ed Hinerman | May 8, 2007 | cancer, coronary artery disease (CAD), diabetes, Drug Treatment Life Insurance, DUI, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
I just read a blog by Jen Creer on www. thediabetesblog.com about teens using the internet as a resource to self educate about their type 1 and type 2 diabetes. Teens (and adults) found out more about the disease, and how to monitor and control it. They found...
by Ed Hinerman | May 4, 2007 | coronary artery disease (CAD), Independent agent, insurance, stroke, Type 2 diabetes
According to the American Diabetes Association website, www.diabetes.org, the numbers of those with diabetes are growing by leaps. “There are 20.8 million children and adults in the United States, or 7% of the population, who have diabetes. While an estimated...
by Ed Hinerman | May 3, 2007 | breast cancer, business life insurance, buy/sell life insurance, cancer, children's life insurance, guaranteed issue life insurance, heart attack, insurance, Juvenile life insurance, life insurance, melanoma, Type 2 diabetes
How often do we hear it? A friend or family member has had a heart attack or been diagnosed with cancer at an age that is just, well….wrong! We expect health problems and death when someone gets into their 80’s. It’s not nearly so common in their...
by Ed Hinerman | May 1, 2007 | Independent agent, insurance, life insurance
According to a recent survey most people (at least the grown up variety) agree that they need life insurance. The reason they cited for not having made the purchase…..no one ever talked to them about it. As a professional this concerned me. How could there be...
by Ed Hinerman | Apr 28, 2007 | coronary artery disease (CAD), Independent agent, insurance, life insurance, Type 2 diabetes
Just having returned from a week in Jamaica thinking to escape one of my greatest passions about life insurance, diabetes, the more a I got whacked up side the head with the fact that it seems to epidemic everywhere. Turns out Jamaica has a real problem with juvenile...
by Ed Hinerman | Apr 27, 2007 | Independent agent, insurance, insurance quotes, term insurance, universal life, whole life
Hi, My name is Ed Hinerman. I haven’t been selling life insurance forever, but I have been around long enough to see radical changes in products available. I just want to share with you today what I consider to be one of the most troublesome leftovers from the...
by Ed Hinerman | Apr 25, 2007 | final expense life insurance, insurance, insurance quotes, life insurance, term insurance, universal life
I’ve heard some good ones. I don’t want to make her rich. She only needs enough to get by until she can find another husband. What happens if I’m still alive when I reach the end of my term insurance? A lot of excuses for not stepping up and buying...
by Ed Hinerman | Apr 19, 2007 | Independent agent, insurance, life insurance
There’s this area of underwriting that has always been a source of annoyance for me. It involves foreign travel, but more specifically foreign travel as a missionary. The whole subject seems to be a stumbling block for almost all insurance companies. They just...
by Ed Hinerman | Apr 19, 2007 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
Shopping for life insurance when you have had prostate cancer is a challenge. Your best bet is to find an independent life insurance agent who really knows the disease and what underwriters are looking for. This is just not a task for your hometown American Family...
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