by Ed Hinerman | Nov 11, 2008 | blood pressure, diabetes, heart attack, insurance, life insurance, prostate cancer, PSA
As soon as you tell someone that they don’t qualify for the best rates available, stand back, because the knee jerk reaction is to unload on you with something akin to the intelligent response, “So, they think I’m about to die of a heart attack, or...
by Ed Hinerman | Oct 14, 2008 | blood pressure, cholesterol, Depression, diabetes, heart attack, Independent agent, insurance, life insurance, long term care, private pilots, stroke
You know the rates I’m talking about. You see them advertised everywhere and it makes it seem as though life insurance is almost free, simply there for the picking. In the industry those rates are called things like preferred plus, preferred elite, select...
by Ed Hinerman | Oct 7, 2008 | blood pressure, cancer, decline, diabetes, Fat March, heart disease, high blood pressure, Independent agent, insurance, Juvenile life insurance, life insurance, obesity, stroke, term insurance, universal life
If you talk to most life insurance applicants who fall into the obese or morbidly obese categories according the their BMI, they have usually been told that they aren’t insurable or that the prices are so high as to render uninsurable because they can’t...
by Ed Hinerman | Oct 1, 2008 | blood pressure, breast cancer, cancer, cigar smokers, insurance, life insurance
Preventive medicine has been around for a long time. In most cases that takes the shape of being on medication for borderline cholesterol or blood pressure issues. In some cases where women have a better than average chance of having breast cancer, radical mastectomy...
by Ed Hinerman | Sep 26, 2008 | bipolar disorder, blood pressure, cholesterol, high blood pressure, hypertension, Independent agent, insurance, life insurance
If anything, I hope I’ve driven home the point over the years that life insurance underwriters look at any health issue not just from a pure mortality standpoint, but from a compliance and control point of view. If you look at the overall bucket of potential...
by Ed Hinerman | Sep 25, 2008 | blood pressure, breast cancer, cancer, high blood pressure, insurance, life insurance
Our family is going through an issue that, after some thought, I’ve decided is worthy of discussion in the context of life insurance. Like the breast cancer I’ve discussed that my mother is just completing treatment on, while I’ll use my parents as...
by Ed Hinerman | Sep 22, 2008 | blood pressure, high blood pressure, Independent agent, insurance, life insurance, term insurance
I understand that most people go and stay where they are the most comfortable. That’s why so many people end up buying overpriced life insurance through their auto and homeowner’s agent, agents that are captive to companies like Farmers, State Farm, Farm...
by Ed Hinerman | Sep 9, 2008 | blood pressure, cancer, diabetes, gastric bypass, heart disease, high blood pressure, insurance, life insurance, liver functions, obesity, stroke
Remember the good old days when livers were done in by drinking too much? Cirrhosis of the liver can eventually lead to liver failure or liver cancer, kind of a no win situation unless you have a spare hidden in the closet. Now studies show that obesity can lead to a...
by Ed Hinerman | Aug 25, 2008 | blood pressure, cholesterol, high blood pressure, insurance, life insurance
Occasionally when I am doing an interview to determine what rate class a person will fall into and what company will be best for them, I am asked if they will look less critically at the health issues if they ask for a smaller amount. This often comes as questions...
by Ed Hinerman | Aug 20, 2008 | blood pressure, cancer, cholesterol, diabetes, heart attack, heart disease, high blood pressure, Independent agent, insurance, life insurance, obesity
Virtually all life insurance companies take your immediate family health history into consideration at some level. They don’t all view it the same and they certainly don’t all treat it the same, but it is in their guidelines and they seldom waiver. This...
by Ed Hinerman | Jul 9, 2008 | blood pressure, cancer, cholesterol, heart attack, high blood pressure, Independent agent, insurance, life insurance
There aren’t many weeks that go by without hearing from someone who has finally figured out that they should have life insurance…..because their own mortality has been flashed before their eyes. This can come in the form of losing a friend or loved one or...
by Ed Hinerman | Jun 24, 2008 | blood pressure, cancer, heart disease, high blood pressure, hypertension, insurance, life insurance, stroke
A lot has been made over the years about diet and exercise being key components of a successful battle with hypertension or high blood pressure. But from the fringes we keep hearing snippets about drinking a glass of wine a day, eating dark chocolate and other things...
by Ed Hinerman | May 21, 2008 | blood pressure, insurance, life insurance, obesity, Sleep apnea
We continue to get inquiries and continue to have success in finding affordable life insurance for people with a history of sleep apnea. This is another one of those areas where the majority of companies still have a knee jerk reaction built into their underwriting...
by Ed Hinerman | May 20, 2008 | blood pressure, cholesterol, diabetes, high blood pressure, insurance, life insurance, obesity, Type 2 diabetes
I know at times I pour it on pretty thick about the whole lifestyle thing, but lifestyle simply cannot be overstated when it comes to its’ impact on life insurance underwriting. As posts go this one is short and to the point. Through diabeticconnect.com I found...
by Ed Hinerman | May 1, 2008 | bipolar disorder, blood pressure, diabetes, high blood pressure, insurance, life insurance
I’m not sure I could beat this subject too hard. If you have bipolar disorder and have looked for life insurance, you know how challenging and frustrating it can be. One of the underwriting points that is absolutely critical to getting the best rates possible is...
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