by Ed Hinerman | Sep 29, 2008 | cancer, cholesterol, diabetes, heart disease, insurance, life insurance
This is mostly a rhetorical life insurance quiz for guys. There are no guarantees that you will be approved for life insurance at all, although most are. And there certainly aren’t any guarantees that you be approved at the rate class you applied for. All of us,...
by Ed Hinerman | Sep 26, 2008 | cancer, insurance, life insurance, prayer
A few years ago I wrote about my Dad’s diagnosis with bladder cancer, a serious stage 4 cancer. In the words of the oncologist, an aggressive and dangerous cancer. What I didn’t share at that time was the fact that his family doctor had treated symptoms as...
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 18, 2008 | breast cancer, cancer, insurance, life insurance
In a post yesterday I mentioned that the course of treatment for breast cancer that my mother is just completing included six weeks of radiation therapy. My dad forwarded an article to me today from the clinic where she is being treated that talks about a more...
by Ed Hinerman | Sep 17, 2008 | breast cancer, cancer, Independent agent, insurance, life insurance
I haven’t talked for a while about my mother’s progress in fighting the breast cancer she was diagnosed with about 3 months ago. Kind of a disclaimer concerning this is that while I am using my mother as an example of how the different aspects of breast...
by Ed Hinerman | Sep 11, 2008 | cancer, insurance, life insurance
Another one of those times like for me, JFK’s death, when you absolutely remember where you were and how it felt when you heard the news. Our prayers continue to go out to every family affected by the events that day. I remember getting a call about a week after...
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 | Sep 8, 2008 | cancer, diabetes, heart attack, insurance, life insurance, obesity
It’s always good to talk to people who have come through major health issues like heart attacks or cancer and have taken the bull by the horns and made life style changes that will likely add years to their lives and a bonus of quality to go with it. Then there...
by Ed Hinerman | Aug 27, 2008 | arrythmia, cancer, decline, diabetes, heart disease, Independent agent, insurance, life insurance
I feel like a myth buster today. I was speaking with a woman today who made it very clear that she didn’t want to apply for life insurance if there was a chance she would be declined. Here reason is that life insurance applications ask if you’ve ever been...
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 | Aug 13, 2008 | breast cancer, cancer, insurance, life insurance
It’s been a few weeks, but I wanted to bring an update on my Mom’s breast cancer process. As I’ve mentioned before, this isn’t really about my Mom, as she is past her life insurance buying days, but rather about the process and how her scenario...
by Ed Hinerman | Aug 6, 2008 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
Assuming survival, which is a pretty good bet with prostate cancer, a life insurance underwriter uses a set of criteria to evaluate the mortality risk of any given cancer survivor. It is this assessed risk that is translated into a rate per thousand dollars worth of...
by Ed Hinerman | Aug 4, 2008 | cancer, cholesterol, diabetes, insurance, life insurance, prostate cancer, PSA
Guys, we’ve talked about this before, an area where women don’t even have to struggle at all to make us look like morons. Unfortunately far too many men find out the value of an annual physical, a regular checkup, when they discover that they have a...
by Ed Hinerman | Jul 29, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, squamous cell carcinoma
Skin cancer is the most common cancer among both men and women in the US. Life insurance underwriters have shown a lot of movement on their underwriting guidelines for skin cancer over the past several years. Unfortunately, until recently, it didn’t seem to be...
by Ed Hinerman | Jul 21, 2008 | cancer, diabetes, heart disease, insurance, life insurance, obesity
We’ve blogged long and hard for years about the obesity epidemic in our country and the high cost the participants are paying in added health problems, shorter life spans and higher life insurance premiums. So, not that we had anything to do with it, but hats...
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