by Ed Hinerman | Jun 9, 2008 | cigar smokers, Independent agent, insurance, life insurance, smoking
Ahh! The good old days when smokers were smokers except with one life insurance company, some smokers weren’t smokers. This actually wasn’t all that long ago, maybe a year and a half, but there was a company called US Financial who truly looked at things...
by Ed Hinerman | May 23, 2008 | cigar smokers, insurance, life insurance, smoking
I know I’ve been all about the downside of smoking and life insurance this week. I’ve gone on and on about the valid reasons why life insurance underwriters are a bit brutal when it comes to smoking, especially in combination with health issues that are...
by Ed Hinerman | May 22, 2008 | asthma, COPD, heart disease, high blood pressure, hypertension, insurance, life insurance, smoking
I went off a bit on some of the more ridiculous combinations with smoking the other day. Smoking and asthma. Smoking and heart disease, etc. Some guy (blog name Joe Camel (clever)), took some hard swings at the life insurance industry for being so mean to smokers....
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 15, 2008 | asthma, coronary artery disease (CAD), heart attack, insurance, life insurance, smoking
A perfectly healthy person who smokes can expect to pay, best case, twice as much as a person who doesn’t smoke for life insurance. I’ve been on that soap box often enough that I don’t know that I need to beat it to death anymore. With that being...
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 7, 2008 | cancer, heart disease, insurance, life insurance, smoking, stroke
People act shocked and amazed when they find out they don’t get those life insurance rates advertised everywhere. I think somewhere inside they knew it would happen because those are non smoking rates and they smoke. And all that flashed fine print on the insurance...
by Ed Hinerman | Mar 24, 2008 | cigar smokers, Independent agent, insurance, life insurance, smoking
For all of you that have applied for life insurance and smoke cigars, and didn’t use the right company and agent, you’ve felt the sting of smoker rates. In general, cigarette smokers will spend 2-3 times what a non smoker will spend on life insurance given...
by Ed Hinerman | Mar 18, 2008 | cigar smokers, Independent agent, insurance, life insurance, smoking
There are plenty of life insurance companies out there who will look the other way on cigar smoking as long as you are truly an “occasional” smoker. Each company has their take on what occasional means. For a few companies you need to save those cigars for...
by Ed Hinerman | Jan 31, 2008 | cholesterol, heart disease, high blood pressure, hypertension, insurance, life insurance, smoking
Smoking is often touted by those who partake as a way to calm themselves. Of course, from a life insurance standpoint, calm or not, smoking carries so much health baggage with it that rates for smokers are dramatically higher than non smokers. A recent study suggests...
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 9, 2008 | Independent agent, insurance, life insurance, smoking
I’ve explained in plenty of detail how life insurance rates are effected by smoking. In general, a person who smokes will pay 2-3 times more than a non smoker in comparable health. There is just no question that underwriters believe that there is a significant...
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