by Ed Hinerman | Dec 6, 2007 | insurance, life insurance, universal life, whole life
It used to. It wasn’t that long ago, 30 years or so, when the only way a person could have permanent life insurance was with a whole life policy. Whole life is a cash value policy that was defined as having a level premium to age 100 with a cash value that...
by Ed Hinerman | Dec 6, 2007 | cholesterol, heart disease, insurance, life insurance
Well, it’s almost a hard and fast rule. In most overweight people, weight loss will lead to lower lipid levels and a healthier balance between total cholesterol and HDL, good cholesterol. Almost! Anyone who follows the whole cholesterol issue, or for that matter...
by Ed Hinerman | Dec 6, 2007 | cancer, insurance, life insurance, prostate cancer, PSA
With localized prostate cancer the treatments of choice have generally been radioactive beam, radiactive seed or prostatectomy. All are very effective in stopping a low stage cancer. Effectiveness comes with side effects though. Incontinence and impotency are the most...
by Ed Hinerman | Dec 4, 2007 | DUI, insurance, life insurance
I really think there must be some confusion. Men’s Health has decided that Denver and Colorado Springs, Colorado’s two largest cities, are respectively the number one and number three drunkest cities in the country. Ouch!! Right up front I want you to...
by Ed Hinerman | Dec 4, 2007 | diabetes, heart attack, insurance, life insurance
After the FDA recently took rather extreme action by forcing Avandia to boldly mark it’s bottles with warnings that the drug can cause heart attacks, Avandia took another hit. It seems that some studies had shown an increased incidence of broken bones among...
by Ed Hinerman | Dec 3, 2007 | high blood pressure, hypertension, insurance, life insurance, stroke
The leading cause of stroke is out of control high blood pressure. More than 72 million people in America have high blood pressure and more than 70% of those do not have what could be called well controlled hypertension. In my life insurance dealings with those who...
by Ed Hinerman | Dec 3, 2007 | cancer, insurance, life insurance, prostate cancer, PSA
PSA (Prostate Specific Antigen) tests have long been the standard test for determining BPH (enlarged prostate), Prostatitis (infection of the prostate) and prostate cancer. There are two events that are watched for. The event that far too many people experience is...
by Ed Hinerman | Dec 2, 2007 | insurance, life insurance
It always seems to come in streaks. Lies. Half truths. Whatever you want to call them, they get in the way of an agent doing the best, most professional job. We always go through a list of health questions before we offer quotes. These questions are broad...
by Ed Hinerman | Dec 2, 2007 | diabetes, insurance, life insurance
If everyone followed all of the advice of all of the experts on healthy lifestyle, we would soon find out if being boring increases your mortality risk. For most of us, it just comes down to doing the best we can. We’ve talk about how to eat and how not to eat....
by Ed Hinerman | Nov 30, 2007 | insurance, life insurance, term insurance
Prices are dropping! Save 60% to 70% on term life insurance! We’ve all read the articles and seen the advertisements. We would all like a piece of that less expensive pie to protect our families. But, is it real? Does the agent you are talking to really know how...
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