by Ed Hinerman | Apr 18, 2007 | insurance, life insurance
Some days are just hard. I was still reeling from the news last night of all the students and teachers killed on the Virginia Tech campus. Things like that are just so hard to fathom. Then I received an email from a friend in California today, that a relative of his...
by Ed Hinerman | Apr 17, 2007 | coronary artery disease (CAD), Depression, heart attack, high blood pressure, Independent agent, insurance, insurance quotes, life insurance, Type 2 diabetes
The question often comes up, “why is type 2 diabetes a big deal when a person is trying to buy life insurance”? After all, you take your medicine and keep your blood sugar down and, well, what’s the problem? The truth is that if all it involved was...
by Ed Hinerman | Apr 14, 2007 | basal cell carcinoma, cancer, Independent agent, insurance, insurance quotes, life insurance, melanoma, squamous cell carcinoma
The various skins cancers and the way in which they are viewed by life insurance underwriters continues to evolve. The three primary skin cancers are basal cell carcinoma, squamous cell carcinoma and melanoma. Not even five years ago it was a given that basal cell...
by Ed Hinerman | Apr 13, 2007 | insurance, life insurance
A new product about to hit the market that will let you live on in your family long after you are gone. It’s called “after thoughts birthday insurance”. What if each of your grandchildren, after you passed away, got a personalized birthday card from...
by Ed Hinerman | Apr 12, 2007 | breast cancer, cancer, diabetes, heart attack, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
You know, the life insurance business is like waking up in a different world every day. For an independent life insurance agent there is a constant flow of clients with various impairments. Not a day goes by when you aren’t working hard to find someone who has...
by Ed Hinerman | Apr 11, 2007 | Addiction Treatment life insurance, Drug Treatment Life Insurance, DUI, Independent agent, insurance, life insurance, liver functions, private pilots
No there’s a couple of items there that are taken very seriously by life insurance underwriters. During an initial interview with a good independent agent they are going to ask about any history of alcohol abuse, treatment for alcohol or drug abuse and any...
by Ed Hinerman | Apr 10, 2007 | cholesterol, Independent agent, insurance, life insurance, liver functions, term insurance
A person’s build, their height and weight and how that is distributed, is probably the biggest bone of contention in life insurance underwriting. Unlike lab results like cholesterol or liver functions, people can try to chase the weight rabbit a few different...
by Ed Hinerman | Apr 8, 2007 | cancer, cholesterol, diabetes, guaranteed issue life insurance, heart attack, high blood pressure, Independent agent, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes
One of the life insurance “urban legends” has to do with the large jump life insurance rates take when you turn 50, and again at 60, and well, let’s not even talk about 70. The truth is that while the cost per thousand of life insurance does in fact...
by Ed Hinerman | Apr 7, 2007 | coronary artery disease (CAD), hypertension, Independent agent, insurance, insurance quotes, life insurance, private pilots, Sleep apnea, Type 2 diabetes
Most sleep apnea is diagnosed first by the spouse of the person who has it. Usually they would consider themselves to be the one that suffers from because one of the possible signs of sleep apnea is extraordinarily loud snoring. Actually sleep apnea, left untreated,...
by Ed Hinerman | Apr 6, 2007 | Anxiety, cholesterol, Depression, hypertension, Independent agent, insurance, life insurance
It seems like 30 years ago it was a rare thing indeed to hear of someone who was on medication for depression. Of course back then people really didn’t talk about our problems very openly and the treatment options were generally restricted to visiting a...
by Ed Hinerman | Apr 5, 2007 | cancer, coronary artery disease (CAD), epilepsy, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
If I were speaking to an auditorium full of people, a specially selected audience, all of whom had type 1 or type 2 diabetes, or epilepsy, and I asked for a show of hands for everyone who had tried to buy life insurance since their diagnosis, likely I would see a...
by Ed Hinerman | Apr 4, 2007 | guaranteed issue life insurance, insurance, insurance quotes, life insurance
I don’t know if New York state employees have an exceptionally hard time in getting help with retirement planning. I hope for the rest of the country sake that their situation is an exception rather than a rule. Recently a retiring state employee wanted life...
by Ed Hinerman | Apr 3, 2007 | cholesterol, coronary artery disease (CAD), epilepsy, Independent agent, insurance, life insurance, seizure disorder, Type 1 diabetes, Type 2 diabetes
If you told a life insurance agent that you have a seizure disorder or epilepsy, and have they told you are uninsurable without asking more questions, take them off your Christmas card list. They are, not unlike most of their fellow agents, ignorant of the disorder...
by Ed Hinerman | Mar 31, 2007 | Independent agent, insurance, insurance quotes, life insurance, Type 2 diabetes
With the Center for Disease Control stating that type 2 diabetes has reached epidemic proportions in the United States, life insurance companies are faced with the challenge of how to underwrite the disease so that it is properly assessed in the context to the risk...
by Ed Hinerman | Mar 31, 2007 | coronary artery disease (CAD), heart attack, Independent agent, insurance, life insurance
With the news out this week that a recent study shows little or no added health benefit for a heart patient that has a stent put into a vein, stand by to see how life insurance underwriting will react. Quoting an Associated Press article by Mark Jewell,...
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