by Ed Hinerman | Dec 11, 2007 | final expense life insurance, insurance, life insurance
I get calls from children and grandchildren on a fairly frequent basis asking about getting a policy to help with the final expenses of their relative. There seems to be a tendency to start thinking about that when it becomes obvious that mom or dad isn’t going...
by Ed Hinerman | Dec 11, 2007 | diabetes, heart disease, insurance, life insurance
OK. So there’s really no easy way out, but it seems that fasting once a month may have some never before discovered health benefits. This surfaced when a study in Utah showed that Mormons had a lower incidence of heart disease. At first this was attributed to...
by Ed Hinerman | Dec 10, 2007 | insurance, life insurance, return of premium term insurance, term insurance
I’ve talked in the past about a product called return of premium term insurance. It is often touted as “free life insurance”, because if you outlive the term insurance you get a refund of all the premiums paid in. A little more comprehensive take is...
by Ed Hinerman | Dec 10, 2007 | cancer, diabetes, heart disease, insurance, life insurance, obesity, Type 2 diabetes
I become more amazed each day with the way diseases are linked to each. We’ve talked many times about obesity and the link to diabetes, heart disease and cancer. And we’ve talked about the link between diabetes and heart disease in the absence of obesity....
by Ed Hinerman | Dec 9, 2007 | coronary artery disease (CAD), heart attack, heart disease, hypertension, insurance, life insurance
Even tempered that is! In case you haven’t been out of your house in the last 10 years, it is an increasingly angry society that we live in. That is one of the primary reasons I live in a small town. People are a little more laid back and things like road rage...
by Ed Hinerman | Dec 8, 2007 | insurance, life insurance
It never ceases to amaze me that men, men who are husbands, fathers or businessmen, seem to think that life insurance is a waste of money. What ever happened to the idea that responsbility comes with marriage, parenthood and business ownership? I try to block these...
by Ed Hinerman | Dec 8, 2007 | cancer, coronary artery disease (CAD), diabetes, insurance, life insurance, obesity, Type 2 diabetes
We have discussed on numerous occasions the rapid increase of obesity in teenagers and the impact that has had on the increase of teenage and young adult type 2 diabetes. It is not a pretty picture that is being painted. Now, the New England Journal of Medicine, has...
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 | Dec 7, 2007 | blood pressure, coronary artery disease (CAD), diabetes, heart disease, high blood pressure, insurance, life insurance, obesity, Type 2 diabetes
It’s been some time since I’ve just given a diabetes underwriting 101 overview. Some companies have changed stances, but overall the market remains somewhat consistent. Underwriters look at type 2 diabetes from several directions. Age of onset is a fairly...
by Ed Hinerman | Dec 7, 2007 | cancer, insurance, life insurance
I shared some time ago that my dad had been diagnosed with bladder cancer. By the time they determined what was going on it was a grade 4, stage 3 cancer and had soon penetrated the bladder wall and moved elsewhere in his body. It was, from a oncologist’s point...
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