by Ed Hinerman | Jan 9, 2008 | bipolar disorder, insurance, life insurance
The cruxt of bipolar disorder is simply highs and lows. One day you’re up, sometimes very up and the next you might be down, sometimes very down. This is, from a simplistic view, a good description of a lot of life insurance underwriters. They will get all fired...
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...
by Ed Hinerman | Jan 7, 2008 | bipolar disorder, insurance, life insurance
I share the frustration that people with well controlled bipolar disorder suffer when they run into the ignorant masses of life insurance agents who not only don’t understand the disorder, but don’t understand how to get it successfully underwritten at...
by Ed Hinerman | Jan 7, 2008 | diabetes, insurance, life insurance, obesity, prayer
It seems like there is a never ending stream of medical breakthroughs for mice. I suppose to balance my envy for the mice getting all the good things, what isn’t published is articles about the dumpsters full of failed attempts at making mice sick and then...
by Ed Hinerman | Jan 5, 2008 | insurance, life insurance, obesity
Just when you think I have beaten the subject of obesity into submission and you are free to get on with life, another risk factor emerges. A recent study out of Vanderbilt points out that as weight goes up, seat belt use goes down and in case anyone hasn’t...
by Ed Hinerman | Jan 5, 2008 | cancer, Depression, insurance, life insurance, prostate cancer
Prostate cancer treated in early stages has a high survival rate. Whether by radical prostectomy, radioactive seed implant or external beam radiation therapy, most treatments are succuessful if the cancer is caught early. More advanced or aggressive prostate cancer is...
by Ed Hinerman | Jan 4, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
If you’ve been around life insurance long enough you begin to see that there are companies whose underwriting guidelines kind of float on the breeze and then there are those who truly do their homework and strive to make reasonable decisions. I have commented in...
by Ed Hinerman | Jan 3, 2008 | bipolar disorder, insurance, life insurance
Well controlled bipolar disorder can run into double trouble when a woman with the disorder becomes pregnant. Tough choices need to be made by the patient and treating physician concerning the continued bipolar treatment into and through pregnancy. Often the decision...
by Ed Hinerman | Jan 3, 2008 | breast cancer, cancer, insurance, life insurance
We’ve often discussed that from a life insurance standpoint, breast cancer caught in the in situ stage, confined to a single milk duct, offers the best options for insurability post treatment. Early stage and grade lead to better rates, quicker. It has been...
by Ed Hinerman | Jan 3, 2008 | cancer, insurance, life insurance, obesity, prostate cancer
Back when I was growing up I don’t think they had anything but whole milk. I only remember two kinds of milk when I was a kid….milk and sour milk. Somewhere along the way someone decided to create lower fat options of milk, so now you have your 1%, 2% and...
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