by Ed Hinerman | Nov 12, 2007 | cancer, insurance, life insurance, melanoma
Melanoma, the deadliest of the skin cancers, has been at the fore front of treatment innovation for some time. Scientists have long believed that, given a way to rev up a person’s natural immune system, melanoma could successfully be fought off without more...
by Ed Hinerman | Nov 10, 2007 | insurance, life insurance, universal life, whole life
Wouldn’t it be great as an employer if you could offer the best benefits packages available to your employees and not spend a dime……….eventually. Corporate Owned Life Insurance, COLI, and Bank Owned Life Insurance, BOLI, are life insurance...
by Ed Hinerman | Nov 10, 2007 | insurance, life insurance, universal life
What if you had a large membership payment due, a one time payment, that was due and payable the day you die? What if that payment was substantial, say $150,000. That’s the membership fee at the Alcor Life Extension Foundation, an organization devoted to the...
by Ed Hinerman | Nov 10, 2007 | insurance, life insurance, universal life
I threw out a question to some colleagues the other day concerning the state of in force universal life policies. The question was, what percentage of all universal life policies will lapse before the insured was led to believe it would, even though they have made all...
by Ed Hinerman | Nov 9, 2007 | heart attack, insurance, life insurance
Every year about 1.5 million Americans have heart attacks and for about 500,000 of them, that is the end of the road. If that half a million had known how to read the signs, many of them would have taken the right turn and would be around today. Myocardial infarction,...
by Ed Hinerman | Nov 9, 2007 | insurance, life insurance
I just go on and on, every day harping on this and that and suggesting this and that. I really mean well and hope people catch the drift that I really just want them to be healthy and pay life insurance companies less money. But, no preaching in this one. I just came...
by Ed Hinerman | Nov 9, 2007 | cholesterol, heart attack, insurance, life insurance, term insurance
I know there is logic galore for putting off the purchase of life insurance until just the right time, or until you’re just the right weight, or until your cholesterol is just the right level…..and the logic fails completely when you drop dead before you...
by Ed Hinerman | Nov 8, 2007 | Depression, diabetes, high blood pressure, hypertension, insurance, life insurance, obesity, Type 2 diabetes
It seems sometimes that the world is kind of teetering on the edge, kind of an unnerving feeling. I thinks for kids this is especially problematic since they have yet to develop coping mechanisms and probably don’t really have a grasp on just how crazy our world...
by Ed Hinerman | Nov 7, 2007 | cancer, insurance, life insurance, prostate cancer, PSA
The very thought of a needle biopsy of the prostate kind of makes me cringe, but if there’s a chance a person has cancer, you kind of want to know for sure. The thing that has always struck me about the needle biopsy method is that the size of the samples are...
by Ed Hinerman | Nov 7, 2007 | heart attack, insurance, life insurance
I remember back when I was distance running competitively, reading an article about a marathon runner who had died of a massive heart attack. With no research, I came to the conclusion that a heart attack while running was probably an unstoppable death. If you think...
by Ed Hinerman | Nov 7, 2007 | diabetes, heart attack, insurance, life insurance, Type 2 diabetes
One of the hard facts is that people with type 2 diabetes are at a higher risk of heart disease and heart attacks than the average person. There has been growing concern among physicians that some of the medications used to control type 2 diabetes might also...
by Ed Hinerman | Nov 7, 2007 | heart attack, insurance, life insurance, obesity, stroke
I have focused so much attention on the impact that obesity can have on a person’s overall health that, honestly, it never occurred to me to look at a far more common occurrence. What kind of impact does a person sustain if they gain10 or 15 pounds? If I were...
by Ed Hinerman | Nov 6, 2007 | breast cancer, cancer, insurance, life insurance
Mammograms have been around since the 1920’s and have saved countless lives through early detection of breast cancer. For that we should all be thankful. But, like most medical exams, you just don’t hear many women come away saying that they should do...
by Ed Hinerman | Nov 6, 2007 | insurance, life insurance, term insurance, universal life
For those of us who maintain that there is some value in keeping our life insurance licenses unscathed and not getting our pants sued off, the life settlement business has just been one of those things that just hangs out there. The life settlement business has...
by Ed Hinerman | Nov 5, 2007 | diabetes, insurance, life insurance
Some days I think I’m the only person on the planet that has yet to do a study or a survey. I’m not talking about participating in one, but actually creating and compiling the data. Some seem a bit more credible than others. One I read today came to kind...
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