by Ed Hinerman | May 13, 2008 | cholesterol, diabetes, heart disease, high blood pressure, insurance, life insurance, obesity
Life style choices impact your health, the quality of the life you live and not so coincidently, the rates you pay for life insurance. Choosing a healthy diet and regular exercise over obesity can avoid a host of complications that we’ve talked about so much in...
by Ed Hinerman | May 12, 2008 | Independent agent, insurance, life insurance, term insurance
I have often talked about the reality of buying life insurance through your local auto and homeowner’s agent, that reality being a high cost at best and absurdly conservative underwriting which doesn’t favor anyone with any kind of health issue. Most of...
by Ed Hinerman | May 12, 2008 | cholesterol, diabetes, insurance, life insurance, PSA
I have often suggested going to local health fairs as a prudent step for those who either can’t afford a physical with a blood workup or, like so many, can’t seem to find the time in their busy lives to sit in a doctor’s office for an hour past the...
by Ed Hinerman | May 9, 2008 | Anxiety, bipolar disorder, Depression, Independent agent, insurance, life insurance
I was recently contacted by a person who had been declined by an insurance company (pretty much an every day occurrence here). This person had been treated for depression for quite a while, but successfully treated. The person was leading a normal, stable life....
by Ed Hinerman | May 9, 2008 | diabetes, heart disease, insurance, life insurance, obesity, Type 2 diabetes
It’s been a while since I’ve brought this up, but let’s be very real about this. There is a type 2 diabetes epidemic going on in this country and it seems to be riding into town sitting squarely on the tail gate of the obesity epidemic. So Ed, how...
by Ed Hinerman | May 8, 2008 | diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
My wife was telling me the other day about a man in our church who had been diagnosed with type 1 diabetes last week. He’s 40 something years old. I know that most type a diabetes onset is in early years, generally under 25, with the majority of it under age 15....
by Ed Hinerman | May 6, 2008 | insurance, life insurance, obesity
There’s been plenty of press lately about the fact that too much is being made of obesity and sedentary life styles. Can’t we all get along? Maybe, just maybe, obesity isn’t the devil incarnate. Maybe, just maybe, fitness and fatness aren’t...
by Ed Hinerman | May 6, 2008 | asthma, insurance, life insurance, obesity
I had a call earlier today from a long time friend that is going to be coming through. Bob has asthma and quizzed me about whether we still had cats or not. More than once he has decided not to stay the night because cats and his asthma just don’t mix. Now Bob...
by Ed Hinerman | May 6, 2008 | cancer, Depression, diabetes, heart disease, Independent agent, insurance, life insurance
It’s really as simple as this. Is your life insurance agent driven solely by the money he will make from the sale, or is there something larger and more important? Is, perhaps, your life insurance agent driven by a passion for what life insurance is all about...
by Ed Hinerman | May 1, 2008 | bipolar disorder, blood pressure, diabetes, high blood pressure, insurance, life insurance
I’m not sure I could beat this subject too hard. If you have bipolar disorder and have looked for life insurance, you know how challenging and frustrating it can be. One of the underwriting points that is absolutely critical to getting the best rates possible is...
by Ed Hinerman | Apr 30, 2008 | bipolar disorder, Independent agent, insurance, life insurance
I worked recently with a client who was diagnosed with bipolar disorder almost 8 years ago. After reading one of my posts on the success we’ve had in obtaining life insurance at good rates for people in her situation, she reluctantly decided to try again. She...
by Ed Hinerman | Apr 29, 2008 | diabetes, life insurance, obesity, Type 2 diabetes
Just as we’ve discussed so often, with any number of health issues from heart disease to cancer to diabetes, the earlier it is detected the better the chances of controlling or stopping it before it causes irreparable harm. With diabetes there have always been...
by Ed Hinerman | Apr 28, 2008 | insurance, life insurance
When a life insurance underwriter assesses your risk and approves, rates up (or declines) a policy, it’s a lot like a loan officer reviewing the facts to determine whether you qualify for a loan. You might feel like you can afford that new mortgage, but it it...
by Ed Hinerman | Apr 26, 2008 | gastric bypass, insurance, life insurance, obesity
The idea of gastric bypass surgery has often come in our forum when talking about the impact that obesity has on health and life insurance rates. The truth is that morbid obesity is so very hard on just about every part of a person’s health, that it just...
by Ed Hinerman | Apr 25, 2008 | cholesterol, insurance, life insurance, term insurance
It’s generally the drama of the week around here. Someone has applied for insurance only to find out that they are fatter than they thought, their cholesterol of blood pressure is higher than the guidelines because they never check it, or their rate is approved...
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