by Ed Hinerman | Jul 30, 2007 | breast cancer, cancer, insurance, life insurance, prostate cancer
How often have I said it’s all about mortality? That is the bottom line for life insurance underwriters. The better the survivability of any health issue, the better the underwriting and subsequent life insurance rates. A recent Washington Post article provided...
by Ed Hinerman | Jul 20, 2007 | cigar smokers, Independent agent, insurance, life insurance, private pilots, prostate cancer, Sleep apnea, term insurance
My grandfather used to do that. He would smoke them and chew them and spit and……well, he had a nicotine habit. Use of nicotine with life insurance companies is a pretty clear cut issue. If you use it, you are in the same rate class as a cigarette smoker....
by Ed Hinerman | Jul 16, 2007 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
The very thought of trying to find life insurance for someone who has had prostate cancer would send 98% of life insurance agents screaming into the dark. Most would just tell you, without asking any questions, that you are uninsurable. About 80% of prostate cancer...
by Ed Hinerman | May 22, 2007 | breast cancer, cancer, insurance, life insurance, prostate cancer, PSA
Everyone seems to know someone who has been affected by breast cancer. While still a horrifying diagnosis, breast cancer is eminently more curable than 30 years ago and as early diagnosis and treatment success increases, affordable life insurance is becoming more and...
by Ed Hinerman | Apr 19, 2007 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
Shopping for life insurance when you have had prostate cancer is a challenge. Your best bet is to find an independent life insurance agent who really knows the disease and what underwriters are looking for. This is just not a task for your hometown American Family...
by Ed Hinerman | Mar 28, 2007 | breast cancer, cancer, insurance, insurance quotes, life insurance, prostate cancer, PSA
As treatment for all types of cancer have improved, life insurance underwriters have been forced to re-evaluate their guidelines for different types of treatment and how the mortality experience has actually changed. One good example is with prostate cancer. While the...
by Ed Hinerman | Mar 9, 2007 | Independent agent, insurance, insurance quotes, life insurance, prostate cancer, PSA, term insurance, universal life, whole life
It was not that long ago that UNINSURABLE was often found in the same sentence with cancer, no matter the type, stage or grade. That was based on the fact that back when I was young people who had cancer, almost any kind of cancer, died from it. It seemed that the...
by Ed Hinerman | Mar 3, 2007 | cancer, Independent agent, insurance, insurance quotes, life insurance, prostate cancer, term insurance, Type 1 diabetes, Type 2 diabetes
I was recently speaking to a woman in Arizona and she made the comment that her husband would really like to have term life insurance, but he had been told that he was uninsurable. Being the nosy kind of guy I am, and knowing that she is a nurse and would have good...
by Ed Hinerman | Feb 24, 2007 | Independent agent, insurance, insurance quotes, life insurance, prostate cancer, PSA, term insurance, universal life, whole life
Prostate cancer is, if not the most common, certainly one of the most common kinds of cancer in men. I think I’ve heard it said that the majority of men who live a long life will have it at some point. The good news from a life insurance standpoint is that...
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