by Ed Hinerman | Jul 16, 2007 | diabetes, heart disease, high blood pressure, hypertension, insurance, insurance quotes, obesity, Type 1 diabetes, Type 2 diabetes
If you have type 1 diabetes or type 2 diabetes and have shopped for life insurance, you more than likely ran into a few stumbling blocks, a few roadblocks and some outright dead ends. The real problem is that you probably ran into an agent who didn’t understand...
by Ed Hinerman | Jul 13, 2007 | insurance, life insurance
1. Lie to the agent about a significant health issue! Life insurance companies are going to obtain your medical records and when they find out they’ve been lied to, they don’t want your business. 2. Don’t do what your doctor recommends! Your...
by Ed Hinerman | Jul 12, 2007 | cholesterol, high blood pressure, Independent agent, insurance, life insurance, obesity, Sleep apnea
The industry norm for underwriting sleep apnea has been the same for years until the Rock rocked the boat. Mild to moderate sleep apnea has historically been underwritten at a standard or possibly a standard plus rate depending on compliance with cpap use and a sleep...
by Ed Hinerman | Jul 12, 2007 | arrythmia, atrial fibrillation, heart attack, heart disease, life insurance
According to the American Heart Association, about 2.2 million Americans have atrial fibrillation, a form of arrhythmia to some degree. It seems like this year about half of them have inquired about life insurance through our office. Like most health issues, life...
by Ed Hinerman | Jul 11, 2007 | heart attack, insurance, life insurance
If you’re looking for a fascinating read, try your own medical records sometime. It runs the gamut from comedy to mystery and there’s even parts of it that might fall into the non fiction class. Be prepared though. What you think you’ll find when you...
by Ed Hinerman | Jul 6, 2007 | cancer, insurance, life insurance
You ever wonder why life insurance companies are so tentative, so cautious when underwriting cancer cases? Ever wonder why doctors are so cautious about offering a prognosis on cancer? With as much research and study that has gone into cancer and treatment you would...
by Ed Hinerman | Jul 2, 2007 | diabetes, heart attack, Independent agent, insurance, life insurance, private pilots, Type 1 diabetes, Type 2 diabetes
This, for me, just falls into the “go figure” category. Two of the best companies from a product and underwriting stance, MONY and US Financial, were purchased within the last year by AXA Equitable. For a while nothing changed and then snap (my imitation...
by Ed Hinerman | Jul 2, 2007 | basal cell carcinoma, cancer, insurance, life insurance, private pilots, squamous cell carcinoma
Life insurance giant AIG, American General led the way for years in offering the best deals for private pilots looking for life insurance. They took over the market and dominated for several years……and then they bailed. From my perspective it looked like...
by Ed Hinerman | Jun 29, 2007 | cancer, heart disease, insurance, life insurance, stroke
I really think they are probably faking the shock and amazement when they find out they don’t get those life insurance rates advertised everywhere, because those are non smoking rates and they smoke. Surely they’ve slipped up at least once and read the old...
by Ed Hinerman | Jun 27, 2007 | diabetes, high blood pressure, Independent agent, insurance, life insurance, private pilots, Sleep apnea
Most sleep apnea is diagnosed first by the person sleeping next to the apneatic. While on a trip to Mississippi after Hurricane Katrina I got to experience firsthand the room shaking impact of sleep apnea. Having some knowledge of the problem and knowing that I could...
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