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 20, 2008 | Anxiety, bipolar disorder, Depression, insurance, life insurance
I don’t know that I was shocked, but certainly took note the other night when, unless my memory is as bad as my wife says, I saw an advertisement for bipolar disorder medication during prime time. The medication is Abilify and I am not posting this to endorse it...
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 20, 2008 | cholesterol, heart attack, heart disease, Independent agent, insurance, life insurance
Much has been made about cholesterol over the years. It went from an unknown quantity to a household word that carried with it the weight of heart disease and heart attacks. Who of has not seen a TV commercial with little pieces of plaque sticking together in an...
by Ed Hinerman | May 19, 2008 | Anxiety, bipolar disorder, Depression, insurance, life insurance
This is a stressed out world we’re living in and it would be highly unlikely that you don’t know someone suffering from either anxiety or depression, and not too unlikely that the someone could be you. The more pressure the world exerts, the more likely...
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 | May 14, 2008 | diabetes, insurance, life insurance
I know in the past I have been less than flattering with my opinion of the ADA as an advocacy group for the diabetes community. I would feel like a loose cannon if it wasn’t an opinion that seems to be fairly widespread. My beef, of course, has always been that...
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 13, 2008 | cholesterol, diabetes, heart disease, high blood pressure, insurance, life insurance, obesity
Life style choices impact your health, the quality of the life you live and not so coincidently, the rates you pay for life insurance. Choosing a healthy diet and regular exercise over obesity can avoid a host of complications that we’ve talked about so much in...
by Ed Hinerman | May 12, 2008 | Independent agent, insurance, life insurance, term insurance
I have often talked about the reality of buying life insurance through your local auto and homeowner’s agent, that reality being a high cost at best and absurdly conservative underwriting which doesn’t favor anyone with any kind of health issue. Most of...
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