by Ed Hinerman | Nov 20, 2007 | DUI, insurance, life insurance
Not too long ago while writing on the obesity problem in America I ran across a state by state breakdown that showed my home state, Colorado, as being one of the 4 leanest states in the country. I wasn’t too surprised, as we are kind of an exercising, outdoorsy...
by Ed Hinerman | Nov 19, 2007 | cancer, insurance, life insurance
Life insurance underwriters have a tough job, determining mortality risk based on all the different health factors, assigning rates that are fair to the customer and the company. But sometimes they don’t want to deal with something, so they jumble it up and...
by Ed Hinerman | Nov 19, 2007 | diabetes, insurance, life insurance, Type 1 diabetes
I know that I’ve often heard that the big drug companies really don’t want to find cures for things such as diabetes and it always leaves me shaking my head. Their purported reason for avoiding the cure is that a cure would kill the cash cow they have in...
by Ed Hinerman | Nov 19, 2007 | diabetes, heart disease, insurance, life insurance, obesity, Type 1 diabetes, Type 2 diabetes
All things being equal, underwriting type 1 diabetes and type 2 diabetes really hinge on the same issues. So, why is it that type 1 seems to incur a heavier hit than type 2? Remember that with type 2 diabetes, underwriting focuses on age of onset, control and other...
by Ed Hinerman | Nov 17, 2007 | cancer, insurance, life insurance, prostate cancer
Family history is one of those life insurance questions that kind of gets people on the defensive. Generally the contention revolves around the fact that the younger person claims that they live an entirely different lifestyle and therefore, whatever happened to their...
by Ed Hinerman | Nov 17, 2007 | cancer, insurance, life insurance, prostate cancer, PSA
In all the study and writing we’ve done on the subject of prostate cancer, we’ve uncovered some interesting little tidbits. In an article I cited in a recent post they claimed that 30% of men in their 30’s had prostate cancer at some level. Another...
by Ed Hinerman | Nov 17, 2007 | DUI, insurance, life insurance
Just when I think I’ve heard it all concerning how stupid or dangerous drinking can be, here we go…….I was too drunk to drive so I had my son drive! But the son was 13 and was drunk also! The son was charged with DUI. Bottom line. No life insurance...
by Ed Hinerman | Nov 16, 2007 | diabetes, insurance, life insurance, Type 1 diabetes
After a season of disappointment in weight loss reality TV shows, where the tactics took precedence over health, it is refreshing to see someone with a worldwide audience willing to talk about diabetes health issues. Not that ABC or NBC should gear themselves to meet...
by Ed Hinerman | Nov 16, 2007 | blood pressure, cholesterol, cigar smokers, Independent agent, insurance, life insurance, term insurance
Just when you think you’ve seen it all! MSNBC takes the big bucks from Selectquote to misrepresent term insurance on national TV. Suze Orman is given the green light to puke out life insurance stupidity at Oprah’s expense. And now. CNN has obviously...
by Ed Hinerman | Nov 15, 2007 | diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
Today is World Diabetes Day. There isn’t a lot I can add to a subject that I post on regularly but to say that anything that can bring more attention and focus to the size and scope of the diabetes problem, is a good thing. Bottom line. Type 1 diabetes and type...
by Ed Hinerman | Nov 15, 2007 | insurance, life insurance, return of premium term insurance, term insurance, universal life
New York state’s insurance department is inching their way toward the 1980’s in their life insurance product availability. You would have to live there to appreciate (or not), just how antiquated the mortality assumption logic is. A good example, probably...
by Ed Hinerman | Nov 14, 2007 | coronary artery disease (CAD), diabetes, heart attack, insurance, life insurance, Type 2 diabetes
In a post a few months ago I had mentioned the concern over studies that showed a potential link between the diabetes drug Avandia and heart attacks. Well, the FDA boldly stepped out and muddied the waters today in a way that only a government agency can do. There are...
by Ed Hinerman | Nov 13, 2007 | insurance, life insurance, term insurance
I had a discussion with my Farmer’s Insurance agent the other day. I have my auto, homeowners and office insurance through him. He has great products and offers very good service. He called to ask me about life insurance prices. You see, he is licensed to sell...
by Ed Hinerman | Nov 13, 2007 | Independent agent, insurance, life insurance, universal life
If you have parents in their 50’s through early 70’s and you don’t know what they have in place for life insurance, ask. Why that age group? They are generally still young enough to get affordable insurance, and they seem to be an age group that...
by Ed Hinerman | Nov 13, 2007 | diabetes, insurance, life insurance, Type 1 diabetes
Type 1 diabetes is a disease that can potentially carry a lot of long term health baggage with it. One of the exacerbating issues is that it generally strikes young, usually children or teenagers, who then are faced with a lifetime of controlling their diabetes or...
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