by Ed Hinerman | May 23, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, prostate cancer, PSA
Guys! The boogie man isn’t under the bed, but rather right below our belly buttons, just about a finger’s length up our rear ends. I’m talking about the prostate gland and the fact that 1 in 6 men will get prostate cancer in their life time. Prostate...
by Ed Hinerman | May 23, 2008 | cigar smokers, insurance, life insurance, smoking
I know I’ve been all about the downside of smoking and life insurance this week. I’ve gone on and on about the valid reasons why life insurance underwriters are a bit brutal when it comes to smoking, especially in combination with health issues that are...
by Ed Hinerman | May 22, 2008 | asthma, COPD, heart disease, high blood pressure, hypertension, insurance, life insurance, smoking
I went off a bit on some of the more ridiculous combinations with smoking the other day. Smoking and asthma. Smoking and heart disease, etc. Some guy (blog name Joe Camel (clever)), took some hard swings at the life insurance industry for being so mean to smokers....
by Ed Hinerman | May 22, 2008 | Independent agent, insurance, key man insurance, life insurance, return of premium term insurance, term insurance, whole life
Return of premium term life insurance is certainly a hot topic these days, so where do you turn to get an unbiased analysis of whether or not it is a good fit for your financial needs? I guess my best advice is simply to steer clear of anyone that thinks it’s...
by Ed Hinerman | May 22, 2008 | insurance, life insurance, no exam
We all see advertising on a regular basis offering life insurance without an exam. I can tell you personally I am not a big fan of having blood drawn and peeing in cups either, so I understand the appeal. What they obviously aren’t going to share with you is the...
by Ed Hinerman | May 21, 2008 | insurance, life insurance, term insurance, whole life
Just one last thought for the day. Mortgage life insurance has been one of the biggest rip offs since it’s inception. No matter how it’s packaged it ends up costing far more than you need to spend. I just found a great example. This particular agency wants...
by Ed Hinerman | May 21, 2008 | insurance, life insurance, universal life, whole life
My true desire is that in another 20 years the country will be purged of all of the fraudulently sold non guaranteed whole life and universal life policies. There should have been some professional good cop/bad cop format in place to keep the disaster that has...
by Ed Hinerman | May 21, 2008 | accelerated death benefit, insurance, life insurance, women
I was recently contacted by a stay at home mom who was, putting it politely, a little annoyed because she was told by an insurance agent that she could only be approved for 1/2 as much life insurance as her husband was carrying. I explained to her that, in fact, that...
by Ed Hinerman | May 21, 2008 | blood pressure, insurance, life insurance, obesity, Sleep apnea
We continue to get inquiries and continue to have success in finding affordable life insurance for people with a history of sleep apnea. This is another one of those areas where the majority of companies still have a knee jerk reaction built into their underwriting...
by Ed Hinerman | May 20, 2008 | blood pressure, cholesterol, diabetes, high blood pressure, insurance, life insurance, obesity, Type 2 diabetes
I know at times I pour it on pretty thick about the whole lifestyle thing, but lifestyle simply cannot be overstated when it comes to its’ impact on life insurance underwriting. As posts go this one is short and to the point. Through diabeticconnect.com I found...
by Ed Hinerman | May 20, 2008 | Anxiety, bipolar disorder, Depression, insurance, life insurance
I don’t know that I was shocked, but certainly took note the other night when, unless my memory is as bad as my wife says, I saw an advertisement for bipolar disorder medication during prime time. The medication is Abilify and I am not posting this to endorse it...
by Ed Hinerman | May 20, 2008 | heart attack, heart disease, insurance, life insurance, obesity, smoking
To me this is another great example of our education system really missing the mark as far as what they perceive to be the most valuable information a young adult needs to get on with life. It is, and isn’t amusing that a high school student is required to pass...
by Ed Hinerman | May 20, 2008 | cholesterol, heart attack, heart disease, Independent agent, insurance, life insurance
Much has been made about cholesterol over the years. It went from an unknown quantity to a household word that carried with it the weight of heart disease and heart attacks. Who of has not seen a TV commercial with little pieces of plaque sticking together in an...
by Ed Hinerman | May 19, 2008 | Anxiety, bipolar disorder, Depression, insurance, life insurance
This is a stressed out world we’re living in and it would be highly unlikely that you don’t know someone suffering from either anxiety or depression, and not too unlikely that the someone could be you. The more pressure the world exerts, the more likely...
by Ed Hinerman | May 15, 2008 | asthma, coronary artery disease (CAD), heart attack, insurance, life insurance, smoking
A perfectly healthy person who smokes can expect to pay, best case, twice as much as a person who doesn’t smoke for life insurance. I’ve been on that soap box often enough that I don’t know that I need to beat it to death anymore. With that being...
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