by Ed Hinerman | May 13, 2008 | diabetes, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
Last week I mentioned in a post that there seemed to be something of an epidemic of adult onset type 1 diabetes, a hybrid of sorts that is starting to pick up steam under the new name type 1.5 diabetes. Here in Colorado, outside of our small epidemic, diabetes was...
by Ed Hinerman | May 8, 2008 | diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
My wife was telling me the other day about a man in our church who had been diagnosed with type 1 diabetes last week. He’s 40 something years old. I know that most type a diabetes onset is in early years, generally under 25, with the majority of it under age 15....
by Ed Hinerman | Apr 8, 2008 | bipolar disorder, breast cancer, cancer, diabetes, heart attack, Independent agent, insurance, life insurance, Type 1 diabetes
I’ve mentioned before that there is a problem in the life insurance business. Pure and simple, it’s greed. Agents are so protective of a potential sale that they will actually tell a customer they are uninsurable, rather than admit they are the wrong agent for the...
by Ed Hinerman | Mar 2, 2008 | bipolar disorder, diabetes, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes
There’s really never been bad news when it comes to life insurance underwriting of type 2 diabetes. Would people with diabetes like to pay less for life insurance? Of course they would, which puts them in the same boat with all of us who don’t have...
by Ed Hinerman | Jan 28, 2008 | bipolar disorder, Depression, diabetes, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
With my 2007 reward for Redundiferous Excellence safely tucked away on my office shelf, I am, like Tiger Woods and the Fedex Cup, shooting for two in a row. I hope that I have left no chance unturned to drive home the point that life insurance underwriters want to see...
by Ed Hinerman | Jan 11, 2008 | diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
I was just led to a website today that you should visit if you have type 1 diabetes or type 2 diabetes. Catchy URL! I got there by typing in www.a1c.org. Sure, It’s a link to an ad, but I’ve always been ok with advertisements if they also provide...
by Ed Hinerman | Dec 29, 2007 | bipolar disorder, blood pressure, diabetes, high blood pressure, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
That could be true of any part of your life. The truth is that compliance with motor vehicle laws and controlling your urge to speed can help you avoid violations that can, in fact, impact your life insurance rates. But generally speaking, from a life insurance...
by Ed Hinerman | Dec 26, 2007 | bipolar disorder, breast cancer, cancer, diabetes, epilepsy, heart attack, heart disease, insurance, life insurance, prostate cancer, Type 1 diabetes, Type 2 diabetes
I just did a quick gut check on my blogging efforts over the past year. Who really cares about what I believe and what I know about life insurance? Who reads this and really believes that I can do what I claim? I have had more than just a little interest in weblogs...
by Ed Hinerman | Dec 8, 2007 | diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
Whether you have type 1 diabetes or type 2 diabetes, there is a piece of information you should already know that is crucial in finding the best life insurance rates. If you do not know what your hbA1c, your hemoglobin A1c is, call your doctor and get it. While you...
by Ed Hinerman | Nov 21, 2007 | children's life insurance, diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
Some time ago I started on a quest to find out the facts about mortality experience of children with type 1 diabetes. The issue I had initially run into was that insurance companies simply would not offer life insurance to children with type 1 diabetes, almost across...
by Ed Hinerman | Nov 19, 2007 | diabetes, insurance, life insurance, Type 1 diabetes
I know that I’ve often heard that the big drug companies really don’t want to find cures for things such as diabetes and it always leaves me shaking my head. Their purported reason for avoiding the cure is that a cure would kill the cash cow they have in...
by Ed Hinerman | Nov 19, 2007 | diabetes, heart disease, insurance, life insurance, obesity, Type 1 diabetes, Type 2 diabetes
All things being equal, underwriting type 1 diabetes and type 2 diabetes really hinge on the same issues. So, why is it that type 1 seems to incur a heavier hit than type 2? Remember that with type 2 diabetes, underwriting focuses on age of onset, control and other...
by Ed Hinerman | Nov 16, 2007 | diabetes, insurance, life insurance, Type 1 diabetes
After a season of disappointment in weight loss reality TV shows, where the tactics took precedence over health, it is refreshing to see someone with a worldwide audience willing to talk about diabetes health issues. Not that ABC or NBC should gear themselves to meet...
by Ed Hinerman | Nov 15, 2007 | diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
Today is World Diabetes Day. There isn’t a lot I can add to a subject that I post on regularly but to say that anything that can bring more attention and focus to the size and scope of the diabetes problem, is a good thing. Bottom line. Type 1 diabetes and type...
by Ed Hinerman | Nov 13, 2007 | diabetes, insurance, life insurance, Type 1 diabetes
Type 1 diabetes is a disease that can potentially carry a lot of long term health baggage with it. One of the exacerbating issues is that it generally strikes young, usually children or teenagers, who then are faced with a lifetime of controlling their diabetes or...
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