by Ed Hinerman | Feb 26, 2008 | bipolar disorder, blood pressure, cholesterol, diabetes, heart disease, high blood pressure, Independent agent, insurance, life insurance, obesity
Let me just reiterate from previous posts that if you have bipolar disorder, you can expect for almost all life insurance companies to decline you. They don’t care to what degree the disorder impacts your life. They put the completely functional CEO of a company...
by Ed Hinerman | Feb 21, 2008 | cancer, diabetes, heart disease, high blood pressure, insurance, life insurance, obesity
Whether or not you agree that there is an obesity epidemic, you would have to have on some pretty serious blinders to not see that lifestyle changes over the past 40 years have definitely packed the pounds on the average US citizen, if not the whole world. An article...
by Ed Hinerman | Feb 14, 2008 | breast cancer, cancer, insurance, life insurance, obesity
We’ve often discussed in this forum that one of the most prevalent risk factors associated with obesity is the increased risk of cancer. Scientists are narrowing down some of the worst culprits of obesity and their role in that increased risk. Processed meats...
by Ed Hinerman | Feb 13, 2008 | gastric bypass, insurance, life insurance, obesity
OK! Most of us only feel like the fattest person in the world occasionally. And we whine when diet and exercise aren’t producing the results we really want, but are we trying hard enough? There is no arguing that obesity is a problem, but this guy takes the cake...
by Ed Hinerman | Feb 11, 2008 | bipolar disorder, cholesterol, high blood pressure, insurance, life insurance, obesity
Report after report talk about rampant, out of control obesity. MacDonald’s is to blame. Television and video games are to blame. I’m sure there are reports out there that directly blame my mother’s chocolate chip cookies. Somehow I ate them and...
by Ed Hinerman | Feb 8, 2008 | bipolar disorder, diabetes, heart disease, Independent agent, insurance, life insurance, obesity
I have often made the life insurance underwriting comparison between diabetes and bipolar disorder. In simple terms, what is needed to get the best possible rates is compliance with prescribed treatment and good control. The good control is of course different with...
by Ed Hinerman | Feb 5, 2008 | diabetes, heart disease, Independent agent, insurance, life insurance, obesity
Well, I’ve got your good news and your bad news. You know how I’ve gone on and on about all of the collateral health issues attributable to obesity. Now there is a study that indicates that people who are obese may in fact have lower health care costs than...
by Ed Hinerman | Feb 1, 2008 | breast cancer, cancer, heart disease, insurance, life insurance, obesity
While I generally agree with most family history guidelines that life insurance underwriters use, there are times when common sense simply has to override the guidelines. After all, they are called underwriting guidelines, not rules. I’ve had to defend family...
by Ed Hinerman | Jan 24, 2008 | cancer, diabetes, heart disease, high blood pressure, insurance, life insurance, obesity, Type 2 diabetes
I was asked a few days ago to be interviewed, as a high school assignment, on the subject of obesity and insurance rates. The core question was concerning the fairness of charging higher rates for someone who is overweight. Rebecca Kuo, a student from Houston, TX was...
by Ed Hinerman | Jan 24, 2008 | coronary artery disease (CAD), diabetes, heart attack, high blood pressure, Independent agent, insurance, life insurance, obesity, smoking
There are essentially three treatment methods for blocked arteries of the type that can lead to a heart attack. The original and still widely used vessel bypass surgery, angioplasty with a stent inserted in the vessel, and for minor blockage, medication to reduce the...
by Ed Hinerman | Jan 23, 2008 | diabetes, gastric bypass, heart disease, insurance, life insurance, obesity, Type 2 diabetes
It’s no secret that obesity is one of the leading risk factors for the onset of type 2 diabetes. Left alone, the combination of the two can be the start of a downward health slide that leads to heart disease and other major health issues. I’ve talked to...
by Ed Hinerman | Jan 21, 2008 | breast cancer, cancer, coronary artery disease (CAD), diabetes, heart attack, heart disease, insurance, life insurance, obesity, stress, women
In my passion to ensure that the world understands the risks of cancer, obesity and diabetes, I have often referred to heart disease, coronary artery disease, as a collateral health issue. What I have neglected to do is give the number one killer of men and women the...
by Ed Hinerman | Jan 20, 2008 | cancer, life insurance, obesity
It seems with so many health issues that, unchecked, one leads to another that leads to another. I don’t mean to insinuate that you live, catch a cold and then you die, but the key word here is “unchecked”. In a post not too long ago one of the...
by Ed Hinerman | Jan 7, 2008 | diabetes, insurance, life insurance, obesity, prayer
It seems like there is a never ending stream of medical breakthroughs for mice. I suppose to balance my envy for the mice getting all the good things, what isn’t published is articles about the dumpsters full of failed attempts at making mice sick and then...
by Ed Hinerman | Jan 5, 2008 | insurance, life insurance, obesity
Just when you think I have beaten the subject of obesity into submission and you are free to get on with life, another risk factor emerges. A recent study out of Vanderbilt points out that as weight goes up, seat belt use goes down and in case anyone hasn’t...
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