by Ed Hinerman | May 28, 2008 | Anxiety, bipolar disorder, Depression, diabetes, heart attack, heart disease, hepatitis, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
There must be a couple of million people in the US licensed to sell life insurance. If you take in the giant internet mega agencies, all of the independent agents, and all of the captive agents (work for just one company), the possibilities for purchasing life...
by Ed Hinerman | May 20, 2008 | blood pressure, cholesterol, diabetes, high blood pressure, insurance, life insurance, obesity, Type 2 diabetes
I know at times I pour it on pretty thick about the whole lifestyle thing, but lifestyle simply cannot be overstated when it comes to its’ impact on life insurance underwriting. As posts go this one is short and to the point. Through diabeticconnect.com I found...
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 9, 2008 | diabetes, heart disease, insurance, life insurance, obesity, Type 2 diabetes
It’s been a while since I’ve brought this up, but let’s be very real about this. There is a type 2 diabetes epidemic going on in this country and it seems to be riding into town sitting squarely on the tail gate of the obesity epidemic. So Ed, how...
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 29, 2008 | diabetes, life insurance, obesity, Type 2 diabetes
Just as we’ve discussed so often, with any number of health issues from heart disease to cancer to diabetes, the earlier it is detected the better the chances of controlling or stopping it before it causes irreparable harm. With diabetes there have always been...
by Ed Hinerman | Apr 21, 2008 | diabetes, insurance, life insurance, Type 2 diabetes
I get so tired of doctors (what’s new?) who make a diagnosis and just give people prescriptions and basically just tell them to go away and take their medicine. My office manager’s mother was recently diagnosed as being type 2 diabetic. She was put on...
by Ed Hinerman | Apr 21, 2008 | cancer, diabetes, gastric bypass, heart disease, insurance, life insurance, obesity, Sleep apnea, Type 2 diabetes
I watched a program on 60 minutes last night that reviewed the impact of gastric bypass surgery not just on obesity, but on all of the other risk factors that a person takes on when they are overweight. The results weren’t surprising, but rather affirming based...
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 | Feb 7, 2008 | diabetes, heart disease, insurance, life insurance, Type 2 diabetes
Well, just when life insurance underwriters and doctors think they’re on the same page, and they believe it’s the right page, someone kicks the door down and throws a wrench in their thinking. In search of a way to control diabetes, and specifically type 2...
by Ed Hinerman | Feb 2, 2008 | diabetes, insurance, life insurance, Type 2 diabetes
With all the political spin put on health care and how to handle all of those who are uninsured or under insured, maybe, just maybe, the emphasis ought to be on education and prevention as much as or even more than treatment. A study just released shows that type 2...
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 24, 2008 | cancer, diabetes, heart disease, high blood pressure, insurance, life insurance, obesity, Type 2 diabetes
I was asked a few days ago to be interviewed, as a high school assignment, on the subject of obesity and insurance rates. The core question was concerning the fairness of charging higher rates for someone who is overweight. Rebecca Kuo, a student from Houston, TX was...
by Ed Hinerman | Jan 23, 2008 | diabetes, gastric bypass, heart disease, insurance, life insurance, obesity, Type 2 diabetes
It’s no secret that obesity is one of the leading risk factors for the onset of type 2 diabetes. Left alone, the combination of the two can be the start of a downward health slide that leads to heart disease and other major health issues. I’ve talked to...
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...
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