by Ed Hinerman | Nov 21, 2007 | children's life insurance, diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
Some time ago I started on a quest to find out the facts about mortality experience of children with type 1 diabetes. The issue I had initially run into was that insurance companies simply would not offer life insurance to children with type 1 diabetes, almost across...
by Ed Hinerman | Nov 21, 2007 | cancer, insurance, life insurance, obesity, prostate cancer, PSA
No need to cringe. I’m not about to go on another tear about obesity……but I did run across a rather interesting phenomenom in an article today. The premise is that PSA readings in obese men can be falsely lower because they have a larger volume of...
by Ed Hinerman | Nov 20, 2007 | diabetes, heart disease, insurance, life insurance, obesity
The beat to death mantra of needing to get out and exercise 30 minutes at least 5 days a week to prevent our demise due to sedentary life styles is accurate, but without much effort we can do a lot more. Consider this in our battle with obesity, heart disease and...
by Ed Hinerman | Nov 20, 2007 | insurance, life insurance
Bait and switch! The practice of sucking someone into the sales process by offering something attractive with the full knowledge that you (the salesperson) can’t come through with that offer in the end. Bait and switch is a favorite topic of those who whine...
by Ed Hinerman | Nov 20, 2007 | DUI, insurance, life insurance
Not too long ago while writing on the obesity problem in America I ran across a state by state breakdown that showed my home state, Colorado, as being one of the 4 leanest states in the country. I wasn’t too surprised, as we are kind of an exercising, outdoorsy...
by Ed Hinerman | Nov 19, 2007 | cancer, insurance, life insurance
Life insurance underwriters have a tough job, determining mortality risk based on all the different health factors, assigning rates that are fair to the customer and the company. But sometimes they don’t want to deal with something, so they jumble it up and...
by Ed Hinerman | Nov 19, 2007 | diabetes, insurance, life insurance, Type 1 diabetes
I know that I’ve often heard that the big drug companies really don’t want to find cures for things such as diabetes and it always leaves me shaking my head. Their purported reason for avoiding the cure is that a cure would kill the cash cow they have in...
by Ed Hinerman | Nov 19, 2007 | diabetes, heart disease, insurance, life insurance, obesity, Type 1 diabetes, Type 2 diabetes
All things being equal, underwriting type 1 diabetes and type 2 diabetes really hinge on the same issues. So, why is it that type 1 seems to incur a heavier hit than type 2? Remember that with type 2 diabetes, underwriting focuses on age of onset, control and other...
by Ed Hinerman | Nov 17, 2007 | cancer, insurance, life insurance, prostate cancer
Family history is one of those life insurance questions that kind of gets people on the defensive. Generally the contention revolves around the fact that the younger person claims that they live an entirely different lifestyle and therefore, whatever happened to their...
by Ed Hinerman | Nov 17, 2007 | cancer, insurance, life insurance, prostate cancer, PSA
In all the study and writing we’ve done on the subject of prostate cancer, we’ve uncovered some interesting little tidbits. In an article I cited in a recent post they claimed that 30% of men in their 30’s had prostate cancer at some level. Another...
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