by Ed Hinerman | Feb 3, 2008 | bipolar disorder, diabetes, insurance, life insurance
The deeper I get involved with the life insurance possibilities for people with bipolar disorder, the more I am convinced that it has not been an intentionally abused block of clients as much as it has been and understudied and overlooked group. When I was first...
by Ed Hinerman | Feb 2, 2008 | diabetes, insurance, life insurance, Type 2 diabetes
With all the political spin put on health care and how to handle all of those who are uninsured or under insured, maybe, just maybe, the emphasis ought to be on education and prevention as much as or even more than treatment. A study just released shows that type 2...
by Ed Hinerman | Feb 2, 2008 | blood pressure, heart attack, high blood pressure, hypertension, insurance, life insurance
No. I’m not suggesting that a pre game aspirin will ward off a post game hangover. I’m afraid that those prone to toast every down and play will have to deal with the consequences post game. There may be good reason to do some pre-game heart attack...
by Ed Hinerman | Feb 1, 2008 | breast cancer, cancer, heart disease, insurance, life insurance, obesity
While I generally agree with most family history guidelines that life insurance underwriters use, there are times when common sense simply has to override the guidelines. After all, they are called underwriting guidelines, not rules. I’ve had to defend family...
by Ed Hinerman | Jan 31, 2008 | diabetes, insurance, life insurance
Ahh, my morning cup of coffee! And the second one. Now we’re talking….maybe a bit too fast, but we are definitely talking. It’s fun to watch the cudos and cabashes that coffee takes. It’s a rare month that goes by when coffee isn’t...
by Ed Hinerman | Jan 31, 2008 | cholesterol, heart disease, high blood pressure, hypertension, insurance, life insurance, smoking
Smoking is often touted by those who partake as a way to calm themselves. Of course, from a life insurance standpoint, calm or not, smoking carries so much health baggage with it that rates for smokers are dramatically higher than non smokers. A recent study suggests...
by Ed Hinerman | Jan 30, 2008 | insurance, life insurance, term insurance, universal life, whole life
You guessed it. I got another trade magazine with an article suggesting that whole life is the only type of life insurance a person should buy. If you don’t buy whole life as the article suggests, you just don’t get it. I have access to whatever life...
by Ed Hinerman | Jan 30, 2008 | bipolar disorder, insurance, life insurance
What do the people in the following list have in common? Ernest Hemingway, Mark Twain, Herman Melville, Hans Christian Anderson, Dick Cavett, Kitty Dukakis, Ted Turner, Jonathan Winters, Emily Dickinson, T.S. Eliot, Walt Whitman, Edgar Allan Poe, Connie Francis and...
by Ed Hinerman | Jan 29, 2008 | cancer, cholesterol, high blood pressure, insurance, life insurance, prostate cancer, PSA
In a post a few days ago concerning the practice of “watchful waiting” that is used in low stage, low grade prostate cancer, I offered to poll several life insurance companies to see how they felt about the practice from a life insurance risk standpoint....
by Ed Hinerman | Jan 29, 2008 | Depression, insurance, life insurance, Sleep apnea
Fatigue, lack of concentration and irritability. All classic symptoms of depression. Also, all classic symptoms of sleep apnea. In a New York Times article “Remedy for Sleep Apnea May Lift Depression’s Veil”, the similarity and ways to peel away the...
by Ed Hinerman | Jan 28, 2008 | bipolar disorder, Depression, diabetes, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
With my 2007 reward for Redundiferous Excellence safely tucked away on my office shelf, I am, like Tiger Woods and the Fedex Cup, shooting for two in a row. I hope that I have left no chance unturned to drive home the point that life insurance underwriters want to see...
by Ed Hinerman | Jan 28, 2008 | insurance, life insurance, term insurance, universal life, whole life
My wife and I are participating in the Dave Ramsey Financial Peace University. I have to admit that for all that I have been blessed with, great financial management skills have not been part of the package. Dave Ramsey is a no nonsense kind of guy when it comes to...
by Ed Hinerman | Jan 26, 2008 | cancer, Independent agent, insurance, life insurance, prostate cancer
One of the treatment options with older men and younger men with slow growing prostate cancer has always been “watchful waiting”. The premise with older men is that very often the treatment is unnecessary as the cancer never advances far enough to cause...
by Ed Hinerman | Jan 25, 2008 | bipolar disorder, Independent agent, insurance, life insurance
I’m not sure why I woke up this morning wondering if there are bipolar jokes, but I did. I’ve always been a fan of the “top 10 reasons” type of humor. Probably a spin off from enjoying Jeff Foxworthy. Tucked away on a site that offered bipolar...
by Ed Hinerman | Jan 25, 2008 | diabetes, heart disease, insurance, life insurance
It’s an election year and in case you haven’t heard what we’ve spent on the war on terror, or in Afghanistan, or in Iraq, just turn on the evening news and I assure you that you will catch a sound bite from someone talking about all that money....
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