by Ed Hinerman | Oct 19, 2007 | cancer, diabetes, foreign travel, heart disease, insurance, life insurance, private pilots, Sleep apnea, stroke, Type 1 diabetes, Type 2 diabetes
Over the years, North American Ccmpany for Life and Health has moved in and out of the impaired risk spot light. Overall though, they would have to be judged as one of the better small companies out there. North American isn’t one of the big boys, but they are...
by Ed Hinerman | Oct 16, 2007 | Anxiety, cancer, Depression, diabetes, DUI, heart attack, Independent agent, private pilots, prostate cancer, Sleep apnea
The Rock!! I bring Pru up every once in a while simply because they seem to be a company that is out to make a difference in the life insurance business. Other companies are competitive, and Prudential isn’t the answer to every life insurance question, but they...
by Ed Hinerman | Oct 16, 2007 | diabetes, high blood pressure, insurance, life insurance, Sleep apnea
There may be more than one reason to be upbeat about sleep apnea from a life insurance standpoint. As I’ve mentioned in previous posts, there are offers coming in on life insurance for those with mild to moderate, well controlled sleep apnea that can be as good...
by Ed Hinerman | Sep 26, 2007 | diabetes, high blood pressure, Sleep apnea, stroke, Type 2 diabetes
At least there are a few good things about sleep apnea. First, who needs a doctor when your spouse can diagnosis it for you? Second, and a little more seriously, once diagnosed it is very treatable. Sleep apnea is a challenging underwriting task for life insurance....
by Ed Hinerman | Sep 22, 2007 | Biggest Loser, breast cancer, cancer, cholesterol, diabetes, heart disease, high blood pressure, hypertension, Sleep apnea, stroke, Type 2 diabetes
In writing an article on gestational diabetes for our new website that will go live this coming week, I was discussing risk factors and up pops obesity……again. It seems that almost without fail, no matter what the health issue, obesity either helps cause...
by Ed Hinerman | Sep 21, 2007 | Attention Deficit Disorder, high blood pressure, insurance, life insurance, Sleep apnea, stroke
A client I worked with this week was a little miffed because Met Life didn’t come through with the rate the agent said they would, even though he had divulged his health history and his labwork was perfect. Apparently he quoted the client $1800 a year and it was...
by Ed Hinerman | Aug 7, 2007 | diabetes, Independent agent, insurance, life insurance, private pilots, Sleep apnea, Type 2 diabetes
There is a misconception in life insurance that there is a common thread running through all the companies and kind of like buying hamburgers, they’re all pretty much the same and all of them charge about the same. The truth is that the differences between life...
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 12, 2007 | cholesterol, high blood pressure, Independent agent, insurance, life insurance, obesity, Sleep apnea
The industry norm for underwriting sleep apnea has been the same for years until the Rock rocked the boat. Mild to moderate sleep apnea has historically been underwritten at a standard or possibly a standard plus rate depending on compliance with cpap use and a sleep...
by Ed Hinerman | Jun 27, 2007 | diabetes, high blood pressure, Independent agent, insurance, life insurance, private pilots, Sleep apnea
Most sleep apnea is diagnosed first by the person sleeping next to the apneatic. While on a trip to Mississippi after Hurricane Katrina I got to experience firsthand the room shaking impact of sleep apnea. Having some knowledge of the problem and knowing that I could...
by Ed Hinerman | Apr 7, 2007 | coronary artery disease (CAD), hypertension, Independent agent, insurance, insurance quotes, life insurance, private pilots, Sleep apnea, Type 2 diabetes
Most sleep apnea is diagnosed first by the spouse of the person who has it. Usually they would consider themselves to be the one that suffers from because one of the possible signs of sleep apnea is extraordinarily loud snoring. Actually sleep apnea, left untreated,...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
Recent Comments