by Ed Hinerman | Jan 13, 2010 | insurance, life insurance, prostate cancer, PSA
We’ve covered a lot in the past on the life insurance underwriting of prostate cancer. Prostate cancer is one of those good news/bad news events in the cancer world. Prostate cancer is the second most prevalent cancer among men, surpassed only by skin cancer. It...
by Ed Hinerman | Apr 27, 2009 | cancer, insurance, life insurance, prostate cancer, PSA
It seems to me of all the major cancers, being the second most common among men, prostate cancer has been a hot bed of breakthroughs and I believe (the world according to Ed) will be the first major cancer that will be rendered null by scientific research. Today more...
by Ed Hinerman | Mar 19, 2009 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
Big news yesterday. Two studies that have been going on over the last 10 years threw a lot of doubt as to the value of the PSA (prostate specific antigen) test as it pertains to prostate cancer. Are the recommended annual tests going to go by the wayside and what...
by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
by Ed Hinerman | Feb 2, 2009 | blood pressure, decline, high blood pressure, insurance, life insurance, mortality, PSA, stroke, term insurance
The trend never seems to end. Men especially aren’t real keen on regular checkups with their doctors and have this almost childlike view of mortality. They’re sure people get sick and die, but it’s certainly not them or anyone remotely close to their...
by Ed Hinerman | Nov 25, 2008 | cholesterol, insurance, life insurance, liver functions, no exam, PSA, smoking, term insurance
With very few exceptions life insurance applications are accompanied by a physical exam and blood and urine tests. Occasionally the issue of a blood draw can complicate things with people whose veins are hard to find or those that are just plain freaked out by...
by Ed Hinerman | Nov 11, 2008 | blood pressure, diabetes, heart attack, insurance, life insurance, prostate cancer, PSA
As soon as you tell someone that they don’t qualify for the best rates available, stand back, because the knee jerk reaction is to unload on you with something akin to the intelligent response, “So, they think I’m about to die of a heart attack, or...
by Ed Hinerman | Oct 30, 2008 | cholesterol, diabetes, heart attack, insurance, life insurance, PSA, term insurance
But declines happen. I’ve put together a list of the top reasons that applicants are denied coverage. We’ll start out with the first two which were covered in a post yesterday. 1. Your agent did a sloppy job. Sometimes agents slip into a habit of not...
by Ed Hinerman | Aug 6, 2008 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
Assuming survival, which is a pretty good bet with prostate cancer, a life insurance underwriter uses a set of criteria to evaluate the mortality risk of any given cancer survivor. It is this assessed risk that is translated into a rate per thousand dollars worth of...
by Ed Hinerman | Aug 4, 2008 | cancer, cholesterol, diabetes, insurance, life insurance, prostate cancer, PSA
Guys, we’ve talked about this before, an area where women don’t even have to struggle at all to make us look like morons. Unfortunately far too many men find out the value of an annual physical, a regular checkup, when they discover that they have a...
by Ed Hinerman | Jun 20, 2008 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
Because of the exceptionally high success rate in treatment of prostate cancer, it stands out as ultimately one of the most insurable cancer histories from a life insurance underwriting view. Prostate cancer is the second most commonly diagnosed cancer among men, but...
by Ed Hinerman | May 23, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, prostate cancer, PSA
Guys! The boogie man isn’t under the bed, but rather right below our belly buttons, just about a finger’s length up our rear ends. I’m talking about the prostate gland and the fact that 1 in 6 men will get prostate cancer in their life time. Prostate...
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 | Apr 22, 2008 | cancer, insurance, life insurance, prostate cancer, PSA
I caught the title of an article on prostate cancer out of the corner of my eye today and immediately drew the wrong conclusion. The article, “Exercise may lead to faster prostate tumor growth” drew an immediate reaction from me since I exercise daily. I...
by Ed Hinerman | Apr 13, 2008 | cancer, cholesterol, heart disease, insurance, life insurance, PSA
I have often written about the surprises that come with life insurance exam results, from the fairly benign slight elevations in cholesterol to the alarming large elevations in PSA results. The surprise should really come as no surprise because the person who gets...
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