by Ed Hinerman | Apr 25, 2008 | cholesterol, insurance, life insurance, term insurance
It’s generally the drama of the week around here. Someone has applied for insurance only to find out that they are fatter than they thought, their cholesterol of blood pressure is higher than the guidelines because they never check it, or their rate is approved...
by Ed Hinerman | Apr 24, 2008 | bipolar disorder, insurance, life insurance
The news really does keep getting better and better when it comes to well controlled, stable bipolar leading to good life insurance rates. I just placed a case with a woman who was actually approved at a better rate than we had applied for. Part of the reason for her...
by Ed Hinerman | Apr 24, 2008 | insurance, life insurance, universal life
When I talk to clients about today’s permanent products and the trend away from the old guarantees to age 100 and toward guarantees of 120+, I am often chuckled at. Uinversal life policies with no lapse guarantees to 120 or 130 may be more well thought out than...
by Ed Hinerman | Apr 22, 2008 | insurance, life insurance
Personally I kind of like the idea of everyone having availability to health care. The idea that people who don’t see doctors now might start getting regular checkups would dramatically decrease those conditions that are discovered only when it is out of...
by Ed Hinerman | Apr 22, 2008 | cancer, insurance, life insurance, prostate cancer, PSA
I caught the title of an article on prostate cancer out of the corner of my eye today and immediately drew the wrong conclusion. The article, “Exercise may lead to faster prostate tumor growth” drew an immediate reaction from me since I exercise daily. I...
by Ed Hinerman | Apr 22, 2008 | insurance, life insurance, term insurance, universal life, whole life
It seems that every time I write about whole life insurance and the fact that any positive attributes it may have had at some point in history are gone, someone feels the need to point out what an idiot I am. I take it all with a grain of salt since the stern...
by Ed Hinerman | Apr 21, 2008 | diabetes, insurance, life insurance, Type 2 diabetes
I get so tired of doctors (what’s new?) who make a diagnosis and just give people prescriptions and basically just tell them to go away and take their medicine. My office manager’s mother was recently diagnosed as being type 2 diabetic. She was put on...
by Ed Hinerman | Apr 21, 2008 | cancer, diabetes, gastric bypass, heart disease, insurance, life insurance, obesity, Sleep apnea, Type 2 diabetes
I watched a program on 60 minutes last night that reviewed the impact of gastric bypass surgery not just on obesity, but on all of the other risk factors that a person takes on when they are overweight. The results weren’t surprising, but rather affirming based...
by Ed Hinerman | Apr 16, 2008 | coronary artery disease (CAD), heart attack, heart disease, insurance, life insurance, obesity, smoking
I have no idea, but if someone has had a heart attack I know that one thing that won’t hurt their feelings is finding affordable life insurance rates. While I may not have a clue about broken hearts, I can shed some light on what life insurance underwriters look...
by Ed Hinerman | Apr 16, 2008 | insurance, life insurance
Can you stand just a little more evidence that healthy lifestyle choices do, in fact, help avoid serious health problems. Eat right and get plenty of sleep!! We’ve discussed several times how sleep, or lack of, can impact physical and mental health. Now a large...
by Ed Hinerman | Apr 14, 2008 | Anxiety, bipolar disorder, Depression, diabetes, epilepsy, heart disease, insurance, life insurance
I wouldn’t presume to beat a dead horse, but so seldom is there any significant shift in life insurance underwriting that it bears as much good press as it can stand. While life insurance companies have, for a long time, been fairly tolerant of mild situational...
by Ed Hinerman | Apr 13, 2008 | cancer, cholesterol, heart disease, insurance, life insurance, PSA
I have often written about the surprises that come with life insurance exam results, from the fairly benign slight elevations in cholesterol to the alarming large elevations in PSA results. The surprise should really come as no surprise because the person who gets...
by Ed Hinerman | Apr 9, 2008 | cholesterol, coronary artery disease (CAD), insurance, life insurance
In a post some months ago I was sharing some of my new found knowledge about ultra fast CT scans and their viability and dependability in detecting clogged arteries in the heart. Just to refresh a bit, the ultra fast CT scan hangs it’s hat on the ability to...
by Ed Hinerman | Apr 8, 2008 | bipolar disorder, breast cancer, cancer, diabetes, heart attack, Independent agent, insurance, life insurance, Type 1 diabetes
I’ve mentioned before that there is a problem in the life insurance business. Pure and simple, it’s greed. Agents are so protective of a potential sale that they will actually tell a customer they are uninsurable, rather than admit they are the wrong agent for the...
by Ed Hinerman | Apr 7, 2008 | cancer, heart disease, insurance, life insurance, smoking, stroke
People act shocked and amazed when they find out they don’t get those life insurance rates advertised everywhere. I think somewhere inside they knew it would happen because those are non smoking rates and they smoke. And all that flashed fine print on the insurance...
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