by Ed Hinerman | May 24, 2008 | coronary artery disease (CAD), heart disease, Independent agent, insurance, life insurance, obesity, Sleep apnea, stroke
Probably one of the most challenging parts of life insurance is explaining to clients why their, at least to them, seemingly innocuous health issue impacts their life insurance rates. Their belief is that if it isn’t bothering them too much and their doctor...
by Ed Hinerman | May 21, 2008 | blood pressure, insurance, life insurance, obesity, Sleep apnea
We continue to get inquiries and continue to have success in finding affordable life insurance for people with a history of sleep apnea. This is another one of those areas where the majority of companies still have a knee jerk reaction built into their underwriting...
by Ed Hinerman | May 20, 2008 | blood pressure, cholesterol, diabetes, high blood pressure, insurance, life insurance, obesity, Type 2 diabetes
I know at times I pour it on pretty thick about the whole lifestyle thing, but lifestyle simply cannot be overstated when it comes to its’ impact on life insurance underwriting. As posts go this one is short and to the point. Through diabeticconnect.com I found...
by Ed Hinerman | May 20, 2008 | heart attack, heart disease, insurance, life insurance, obesity, smoking
To me this is another great example of our education system really missing the mark as far as what they perceive to be the most valuable information a young adult needs to get on with life. It is, and isn’t amusing that a high school student is required to pass...
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 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 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 | 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 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 21, 2008 | cancer, diabetes, gastric bypass, heart disease, insurance, life insurance, obesity, Sleep apnea, Type 2 diabetes
I watched a program on 60 minutes last night that reviewed the impact of gastric bypass surgery not just on obesity, but on all of the other risk factors that a person takes on when they are overweight. The results weren’t surprising, but rather affirming based...
by Ed Hinerman | Apr 16, 2008 | coronary artery disease (CAD), heart attack, heart disease, insurance, life insurance, obesity, smoking
I have no idea, but if someone has had a heart attack I know that one thing that won’t hurt their feelings is finding affordable life insurance rates. While I may not have a clue about broken hearts, I can shed some light on what life insurance underwriters look...
by Ed Hinerman | Apr 6, 2008 | Independent agent, insurance, life insurance, obesity
My vote for the biggest rub in life insurance underwriting is weight. Easily the most disgruntled life insurance client is when they are told that their insurance is going to cost more because they guessed their weight wrong, or they weren’t really 6’2, but 6’1...
by Ed Hinerman | Mar 18, 2008 | cancer, diabetes, heart disease, insurance, life insurance, obesity
Getting by on less sleep is something of a badge of honor. I’ve heard people state and sometimes brag about the fact that they only need 4-5 hours of sleep a night. For all of those hardworking people who are holding down two jobs, or are single parents, a lack...
by Ed Hinerman | Mar 16, 2008 | cancer, cholesterol, heart attack, insurance, life insurance, obesity
Over the years I believe I have heard most, if not all, of the whining responses from people who, after an exam and a review of their medical records, didn’t get the best rate available on life insurance. Don’t get me wrong. I want those rates also. But...
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