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 14, 2007 | cholesterol, high blood pressure, insurance, life insurance, stroke
A TIA (Transient ischemic attack), or mini stroke, is generally a disurbing, but not life threatening or even lifestyle threatening event. It generally incurs a night at the hospital and a recommendation for followup testing and possible treatment. In most cases there...
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 | Sep 15, 2007 | diabetes, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, stroke
When we think about high blood pressure, hypertension, generally our thoughts don’t drift to children. I was trying to think back through family and friends and remember if I had ever known a child treated for blood pressure and I came up empty. With obesity in...
by Ed Hinerman | Aug 28, 2007 | cancer, coronary artery disease (CAD), diabetes, Fat March, high blood pressure, insurance, life insurance, stroke, Type 2 diabetes
Episode 4, nearly 300 miles into their “march”, I continue to watch the progress both as an interested spectator and a life insurance professional. My goal in following this program has never been to be actively involved in it’s progress, but rather...
by Ed Hinerman | Aug 28, 2007 | heart attack, high blood pressure, insurance, life insurance, obesity, stroke
Thanks to a discount provided by Genworth Life and Annuity, since I have life insurance through them, and thanks to my wife who doesn’t want me to die because she likes my blogs more than anything she can find on Oprah.com, I had a screening today of my carotid...
by Ed Hinerman | Aug 16, 2007 | cancer, Independent agent, insurance, life insurance, stroke
I suspect there isn’t any of us who don’t have a family member or friend who has had breast cancer. The good news from a life insurance standpoint is that breast cancer screening and treatment has improved dramtically, meaning early detection and...
by Ed Hinerman | Aug 13, 2007 | cancer, heart disease, Independent agent, insurance, life insurance, stroke, Type 2 diabetes
Just to follow on up on all the discussion that started with my post last week that will follow “Fat March” participants as they lose weight on national TV. I felt it would be informative for anyone who is dealing with weight issues to know that life...
by Ed Hinerman | Aug 9, 2007 | cancer, cholesterol, diabetes, heart disease, hepatitis, high blood pressure, insurance, life insurance, stroke
Barry Bonds now has more home runs than anyone in history. 756!! I tried hitting 50 mph balls in a batting cage one time and hit like one out of twenty or so and it was not home run material. I’m impressed. Some people say he got there with the use of steroids....
by Ed Hinerman | Jun 29, 2007 | cancer, heart disease, insurance, life insurance, stroke
I really think they are probably faking the shock and amazement when they find out they don’t get those life insurance rates advertised everywhere, because those are non smoking rates and they smoke. Surely they’ve slipped up at least once and read the old...
by Ed Hinerman | Jun 15, 2007 | cancer, heart disease, insurance, life insurance, stroke, term insurance
Somewhere in the education system for financial planners, the curriculum missed one little detail. People die unexpectedly! Estate planning attorney’s missed that class also. For all the good that can come from the advice of either profession, none of the advice...
by Ed Hinerman | Jun 11, 2007 | heart attack, high blood pressure, hypertension, Independent agent, insurance, life insurance, stroke
When faced with the reality that life insurance rates are going to be higher than expected due to high blood pressure readings on an insurance exam, denial is the mode of the day. People don’t deny that their blood pressure was high. It just follows that there...
by Ed Hinerman | May 30, 2007 | Anxiety, heart attack, heart disease, high blood pressure, insurance, life insurance, seizure disorder, stroke
Having done a rather narrowly focused, completely unscientific survey, I have determined that snakes should probably have some underwriting significance when it comes to life insurance. Here are a few examples. A woman in her 60’s who was known to have heart...
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