by Ed Hinerman | Jan 24, 2008 | cancer, diabetes, heart disease, high blood pressure, insurance, life insurance, obesity, Type 2 diabetes
I was asked a few days ago to be interviewed, as a high school assignment, on the subject of obesity and insurance rates. The core question was concerning the fairness of charging higher rates for someone who is overweight. Rebecca Kuo, a student from Houston, TX was...
by Ed Hinerman | Jan 24, 2008 | coronary artery disease (CAD), diabetes, heart attack, high blood pressure, Independent agent, insurance, life insurance, obesity, smoking
There are essentially three treatment methods for blocked arteries of the type that can lead to a heart attack. The original and still widely used vessel bypass surgery, angioplasty with a stent inserted in the vessel, and for minor blockage, medication to reduce the...
by Ed Hinerman | Jan 23, 2008 | diabetes, gastric bypass, heart disease, insurance, life insurance, obesity, Type 2 diabetes
It’s no secret that obesity is one of the leading risk factors for the onset of type 2 diabetes. Left alone, the combination of the two can be the start of a downward health slide that leads to heart disease and other major health issues. I’ve talked to...
by Ed Hinerman | Jan 23, 2008 | diabetes, heart attack, heart disease, insurance, life insurance
I have gone on before about how your doctors lack of attempt to educate patients on their health conditions such as diabetes and heart disease has led to poor treatment compliance and often has led to complications or collateral health issues that could have been...
by Ed Hinerman | Jan 23, 2008 | heart attack, heart disease, insurance, life insurance
In a post yesterday we talked about stress related heart issues in women. Heart attacks just simply are not that rare in women and more should be done to be proactive about it. Lifestyle changes and regular checkups should be at the top of the list. I ran across a...
by Ed Hinerman | Jan 22, 2008 | insurance, life insurance
I was watching a program last night on the History channel called Life After People. The premise was that some event, such as a pandemic, would occur that would finish off all the people but leave the plants and animals intact. With people out of the way, animal,...
by Ed Hinerman | Jan 22, 2008 | cancer, Independent agent, insurance, life insurance
If you have ever had the pleasure of spending a few minutes with me on a health interview, you might think I’m being just a bit too nosy. Not that I ask a lot of questions and I assure you that none of the questions go outside the scope of life insurance...
by Ed Hinerman | Jan 22, 2008 | cholesterol, Independent agent, insurance, life insurance
If we have established anything over the past 500+ posts in this blog, it’s that no two life insurance companies underwrite exactly the same. Cholesterol and cholesterol ratios (total/hdl) are carefully viewed in the labwork done for life insurance. Because of...
by Ed Hinerman | Jan 22, 2008 | bipolar disorder, diabetes, hypertension, insurance, seizure disorder
I have emailed an article I read today to all of the underwriters I work with. While many are on board with the idea that all bipolar is created equal and that all bipolar should be declined life insurance, there are still some hanging on to their worst fears like a...
by Ed Hinerman | Jan 21, 2008 | cholesterol, diabetes, insurance, life insurance
Well, Mr Doom and Gloom here. I’ve often talked about the good news for people with diabetes that need life insurance, generally layered thickly with a reminder of all the reasons you should carefully monitor and treat your diabetes for your own good reasons....
by Ed Hinerman | Jan 21, 2008 | breast cancer, cancer, coronary artery disease (CAD), diabetes, heart attack, heart disease, insurance, life insurance, obesity, stress, women
In my passion to ensure that the world understands the risks of cancer, obesity and diabetes, I have often referred to heart disease, coronary artery disease, as a collateral health issue. What I have neglected to do is give the number one killer of men and women the...
by Ed Hinerman | Jan 18, 2008 | bipolar disorder, Depression, insurance, life insurance
Being a life long Rocky Mountain guy, if I were ever asked to describe depression in picture form, I would probably start with, “imagine you’re in the Northwest”… I’ve been here for a week and am suffering from lack of solar gain....
by Ed Hinerman | Jan 18, 2008 | bipolar disorder, diabetes, insurance, life insurance
I don’t know if it’s because I’ve been blogging a lot on the subject, or dealing with life insurance underwriters and doing research, but bipolar seems to be popping up everywhere in my world. I hear the word more. I see more ads on TV for treatment...
by Ed Hinerman | Jan 14, 2008 | bipolar disorder, Independent agent, insurance, life insurance
After studying several forums and reviewing insurance websites over the weekend, it seems the tendency to bulk all bipolar into one package is well, just easier, than dealing with the individual cases. The bad news is that the package everyone is bulked into is the...
by Ed Hinerman | Jan 11, 2008 | diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
I was just led to a website today that you should visit if you have type 1 diabetes or type 2 diabetes. Catchy URL! I got there by typing in www.a1c.org. Sure, It’s a link to an ad, but I’ve always been ok with advertisements if they also provide...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
Recent Comments