by Ed Hinerman | Oct 7, 2008 | blood pressure, cancer, decline, diabetes, Fat March, heart disease, high blood pressure, Independent agent, insurance, Juvenile life insurance, life insurance, obesity, stroke, term insurance, universal life
If you talk to most life insurance applicants who fall into the obese or morbidly obese categories according the their BMI, they have usually been told that they aren’t insurable or that the prices are so high as to render uninsurable because they can’t...
by Ed Hinerman | Sep 30, 2008 | cancer, decline, heart attack, high blood pressure, Independent agent, insurance, life insurance, obesity, Sleep apnea
Well, duh! Of course you do, but the good news is that you don’t have to be breathing all the time. After all, sleep apnea could be loosely described as periods of not breathing during sleep. Sleep apnea is one of those health issues that life insurance...
by Ed Hinerman | Sep 9, 2008 | blood pressure, cancer, diabetes, gastric bypass, heart disease, high blood pressure, insurance, life insurance, liver functions, obesity, stroke
Remember the good old days when livers were done in by drinking too much? Cirrhosis of the liver can eventually lead to liver failure or liver cancer, kind of a no win situation unless you have a spare hidden in the closet. Now studies show that obesity can lead to a...
by Ed Hinerman | Sep 8, 2008 | cancer, diabetes, heart attack, insurance, life insurance, obesity
It’s always good to talk to people who have come through major health issues like heart attacks or cancer and have taken the bull by the horns and made life style changes that will likely add years to their lives and a bonus of quality to go with it. Then there...
by Ed Hinerman | Aug 26, 2008 | Independent agent, insurance, life insurance, obesity
I’ve often discussed the role that build charts play in the underwriting of life insurance. From an insurance point of view it’s as simple as this, trim is good and overweight is bad. Trim gets the best rates and overweight doesn’t. For the purpose...
by Ed Hinerman | Aug 20, 2008 | blood pressure, cancer, cholesterol, diabetes, heart attack, heart disease, high blood pressure, Independent agent, insurance, life insurance, obesity
Virtually all life insurance companies take your immediate family health history into consideration at some level. They don’t all view it the same and they certainly don’t all treat it the same, but it is in their guidelines and they seldom waiver. This...
by Ed Hinerman | Aug 16, 2008 | diabetes, gastric bypass, heart disease, insurance, life insurance, obesity, Type 2 diabetes
In previous posts I have touched on studies that have shown that the dramatic weight loss provided by gastric bypass surgery has proven to have much more value than just a matter of convenience in losing weight. With the primary risk factor for type 2 diabetes being...
by Ed Hinerman | Aug 6, 2008 | cholesterol, diabetes, heart attack, insurance, life insurance, obesity, term insurance
Life insurance agents don’t usually get paid unless they make a sale. This can sometimes cast us in a shady light if the application doesn’t go as planned and we start offering alternatives. People perceive us as doing what it takes to salvage some income...
by Ed Hinerman | Jul 30, 2008 | diabetes, heart disease, high blood pressure, Independent agent, insurance, life insurance, obesity
As we’ve reviewed the underwriting criteria for life insurance when it involves diabetes over the years, I’ve beat the need to know your hbA1c to death. I would guess that more than 50% of diabetics I have spoken with don’t even know what I’m...
by Ed Hinerman | Jul 22, 2008 | diabetes, insurance, life insurance, obesity, Type 2 diabetes
When I was helping out after Hurricane Rita in Mississippi, I got to experience, first hand, southern hospitality and also the gateway to obesity, down home southern cooking. The only thing that saved me from coming back from that trip 25 pounds heavier was the fact...
by Ed Hinerman | Jul 21, 2008 | cancer, diabetes, heart disease, insurance, life insurance, obesity
We’ve blogged long and hard for years about the obesity epidemic in our country and the high cost the participants are paying in added health problems, shorter life spans and higher life insurance premiums. So, not that we had anything to do with it, but hats...
by Ed Hinerman | Jun 23, 2008 | bypass surgery, cancer, diabetes, gastric bypass, heart attack, heart disease, insurance, life insurance, obesity
There is a real tendency in our society to brand the morbidly obese as taking the easy way out of the problem they’ve created by considering gastric bypass surgery. Gastric bypass reduces the size of the stomach by stapling off the majority. This causes massive...
by Ed Hinerman | Jun 19, 2008 | Biggest Loser, Fat March, Independent agent, insurance, life insurance, obesity
I have often written about the downside of life insurance underwriting of weight issues, but there actually an upside. Back when I was posting weekly about the reality TV shows Fat March and Biggest Loser, while I did point out the health issues that can be caused by...
by Ed Hinerman | Jun 6, 2008 | diabetes, epilepsy, heart disease, insurance, key man insurance, liver functions, long term care, obesity, return of premium term insurance, universal life
There is a common misconception that has floated around for the past 100 years or so of my life that if a person has cardiac problems, a heart attack, or coronary artery disease (CAD) requiring heart bypass surgery or an angioplasty, they are irreparably damaged in...
by Ed Hinerman | Jun 5, 2008 | cancer, diabetes, heart disease, Independent agent, insurance, life insurance, obesity, Type 2 diabetes
Everyone believes they should get the preferred plus rates that are advertised everywhere. “Di you know that John can have $500,000 of term life insurance for just $12 per month?”. The truth is that many qualify for those rates and get them, but for the...
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