by Ed Hinerman | Mar 16, 2008 | cancer, cholesterol, heart attack, insurance, life insurance, obesity
Over the years I believe I have heard most, if not all, of the whining responses from people who, after an exam and a review of their medical records, didn’t get the best rate available on life insurance. Don’t get me wrong. I want those rates also. But...
by Ed Hinerman | Mar 13, 2008 | bipolar disorder, cancer, Depression, diabetes, heart attack, Independent agent, insurance, life insurance, private pilots
I’ve often discussed the fact that out of the nearly 2000 companies that purport to be in the life insurance business, there are only a handful, maybe 2% that are serious about working to get you the best deal. When you throw in health issues of any consequence...
by Ed Hinerman | Mar 12, 2008 | cancer, insurance, life insurance, prostate cancer, PSA
The PSA, prostate specific antigen, test has been the standard for decades for determining the chances of a man having prostate cancer and the need for further diagnostic testing through a needle biopsy. The problem that has become apparent in the medical and life...
by Ed Hinerman | Feb 29, 2008 | cancer, insurance, life insurance, prostate cancer, PSA
I’ve been told that all guys will get prostate cancer to some degree if they live to a moderately old age. The good news that, for many, it will have little or no impact on their lives or their mortality. Prostate cancer that is slow growing, that is to say a...
by Ed Hinerman | Feb 21, 2008 | cancer, diabetes, heart disease, high blood pressure, insurance, life insurance, obesity
Whether or not you agree that there is an obesity epidemic, you would have to have on some pretty serious blinders to not see that lifestyle changes over the past 40 years have definitely packed the pounds on the average US citizen, if not the whole world. An article...
by Ed Hinerman | Feb 18, 2008 | cancer, estate taxes, insurance, life insurance
There are a couple of reasons this upcoming election could have an impact in the life insurance realm. For most of us poor folks you would think that estate taxes wouldn’t be a big issue. I think it’s significant no matter who you are. Just to recap the...
by Ed Hinerman | Feb 14, 2008 | breast cancer, cancer, insurance, life insurance, obesity
We’ve often discussed in this forum that one of the most prevalent risk factors associated with obesity is the increased risk of cancer. Scientists are narrowing down some of the worst culprits of obesity and their role in that increased risk. Processed meats...
by Ed Hinerman | Feb 13, 2008 | bipolar disorder, breast cancer, cancer, Depression, diabetes, heart disease, Independent agent, insurance, life insurance, prostate cancer, term insurance
There are so many options to shop for your life insurance needs, each making the claim that they will save you money. Save 70% on your term insurance! Hundreds of companies to choose from! Give us 10 minutes and you could save hundreds of dollars on term life...
by Ed Hinerman | Feb 1, 2008 | breast cancer, cancer, heart disease, insurance, life insurance, obesity
While I generally agree with most family history guidelines that life insurance underwriters use, there are times when common sense simply has to override the guidelines. After all, they are called underwriting guidelines, not rules. I’ve had to defend family...
by Ed Hinerman | Jan 29, 2008 | cancer, cholesterol, high blood pressure, insurance, life insurance, prostate cancer, PSA
In a post a few days ago concerning the practice of “watchful waiting” that is used in low stage, low grade prostate cancer, I offered to poll several life insurance companies to see how they felt about the practice from a life insurance risk standpoint....
by Ed Hinerman | Jan 26, 2008 | cancer, Independent agent, insurance, life insurance, prostate cancer
One of the treatment options with older men and younger men with slow growing prostate cancer has always been “watchful waiting”. The premise with older men is that very often the treatment is unnecessary as the cancer never advances far enough to cause...
by Ed Hinerman | Jan 24, 2008 | cancer, diabetes, heart disease, high blood pressure, insurance, life insurance, obesity, Type 2 diabetes
I was asked a few days ago to be interviewed, as a high school assignment, on the subject of obesity and insurance rates. The core question was concerning the fairness of charging higher rates for someone who is overweight. Rebecca Kuo, a student from Houston, TX was...
by Ed Hinerman | Jan 22, 2008 | cancer, Independent agent, insurance, life insurance
If you have ever had the pleasure of spending a few minutes with me on a health interview, you might think I’m being just a bit too nosy. Not that I ask a lot of questions and I assure you that none of the questions go outside the scope of life insurance...
by Ed Hinerman | Jan 21, 2008 | breast cancer, cancer, coronary artery disease (CAD), diabetes, heart attack, heart disease, insurance, life insurance, obesity, stress, women
In my passion to ensure that the world understands the risks of cancer, obesity and diabetes, I have often referred to heart disease, coronary artery disease, as a collateral health issue. What I have neglected to do is give the number one killer of men and women the...
by Ed Hinerman | Jan 20, 2008 | cancer, life insurance, obesity
It seems with so many health issues that, unchecked, one leads to another that leads to another. I don’t mean to insinuate that you live, catch a cold and then you die, but the key word here is “unchecked”. In a post not too long ago one of the...
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