by Ed Hinerman | Dec 9, 2007 | coronary artery disease (CAD), heart attack, heart disease, hypertension, insurance, life insurance
Even tempered that is! In case you haven’t been out of your house in the last 10 years, it is an increasingly angry society that we live in. That is one of the primary reasons I live in a small town. People are a little more laid back and things like road rage...
by Ed Hinerman | Dec 8, 2007 | insurance, life insurance
It never ceases to amaze me that men, men who are husbands, fathers or businessmen, seem to think that life insurance is a waste of money. What ever happened to the idea that responsbility comes with marriage, parenthood and business ownership? I try to block these...
by Ed Hinerman | Dec 8, 2007 | cancer, coronary artery disease (CAD), diabetes, insurance, life insurance, obesity, Type 2 diabetes
We have discussed on numerous occasions the rapid increase of obesity in teenagers and the impact that has had on the increase of teenage and young adult type 2 diabetes. It is not a pretty picture that is being painted. Now, the New England Journal of Medicine, has...
by Ed Hinerman | Dec 8, 2007 | diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
Whether you have type 1 diabetes or type 2 diabetes, there is a piece of information you should already know that is crucial in finding the best life insurance rates. If you do not know what your hbA1c, your hemoglobin A1c is, call your doctor and get it. While you...
by Ed Hinerman | Dec 7, 2007 | blood pressure, coronary artery disease (CAD), diabetes, heart disease, high blood pressure, insurance, life insurance, obesity, Type 2 diabetes
It’s been some time since I’ve just given a diabetes underwriting 101 overview. Some companies have changed stances, but overall the market remains somewhat consistent. Underwriters look at type 2 diabetes from several directions. Age of onset is a fairly...
by Ed Hinerman | Dec 7, 2007 | cancer, insurance, life insurance
I shared some time ago that my dad had been diagnosed with bladder cancer. By the time they determined what was going on it was a grade 4, stage 3 cancer and had soon penetrated the bladder wall and moved elsewhere in his body. It was, from a oncologist’s point...
by Ed Hinerman | Dec 6, 2007 | insurance, life insurance, universal life, whole life
It used to. It wasn’t that long ago, 30 years or so, when the only way a person could have permanent life insurance was with a whole life policy. Whole life is a cash value policy that was defined as having a level premium to age 100 with a cash value that...
by Ed Hinerman | Dec 6, 2007 | cholesterol, heart disease, insurance, life insurance
Well, it’s almost a hard and fast rule. In most overweight people, weight loss will lead to lower lipid levels and a healthier balance between total cholesterol and HDL, good cholesterol. Almost! Anyone who follows the whole cholesterol issue, or for that matter...
by Ed Hinerman | Dec 6, 2007 | cancer, insurance, life insurance, prostate cancer, PSA
With localized prostate cancer the treatments of choice have generally been radioactive beam, radiactive seed or prostatectomy. All are very effective in stopping a low stage cancer. Effectiveness comes with side effects though. Incontinence and impotency are the most...
by Ed Hinerman | Dec 4, 2007 | DUI, insurance, life insurance
I really think there must be some confusion. Men’s Health has decided that Denver and Colorado Springs, Colorado’s two largest cities, are respectively the number one and number three drunkest cities in the country. Ouch!! Right up front I want you to...
by Ed Hinerman | Dec 4, 2007 | diabetes, heart attack, insurance, life insurance
After the FDA recently took rather extreme action by forcing Avandia to boldly mark it’s bottles with warnings that the drug can cause heart attacks, Avandia took another hit. It seems that some studies had shown an increased incidence of broken bones among...
by Ed Hinerman | Dec 3, 2007 | high blood pressure, hypertension, insurance, life insurance, stroke
The leading cause of stroke is out of control high blood pressure. More than 72 million people in America have high blood pressure and more than 70% of those do not have what could be called well controlled hypertension. In my life insurance dealings with those who...
by Ed Hinerman | Dec 3, 2007 | cancer, insurance, life insurance, prostate cancer, PSA
PSA (Prostate Specific Antigen) tests have long been the standard test for determining BPH (enlarged prostate), Prostatitis (infection of the prostate) and prostate cancer. There are two events that are watched for. The event that far too many people experience is...
by Ed Hinerman | Dec 2, 2007 | insurance, life insurance
It always seems to come in streaks. Lies. Half truths. Whatever you want to call them, they get in the way of an agent doing the best, most professional job. We always go through a list of health questions before we offer quotes. These questions are broad...
by Ed Hinerman | Dec 2, 2007 | diabetes, insurance, life insurance
If everyone followed all of the advice of all of the experts on healthy lifestyle, we would soon find out if being boring increases your mortality risk. For most of us, it just comes down to doing the best we can. We’ve talk about how to eat and how not to eat....
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