by Ed Hinerman | Jul 27, 2009 | cholesterol, insurance, life insurance
It always amazes me the way men proclaim how many years it’s been since they’ve seen a doctor and say it like they’re proud, like it’s a badge of honor to ignore your health. I’ve been working on a life insurance application for a local...
by Ed Hinerman | Jul 6, 2009 | insurance, life insurance, term insurance
There is a point that us old guys reach where no matter how healthy we improve our mortality risk in the next year we just aren’t going to be able to get life insurance cheaper than we can today. I just had this delicate conversation with a 61 year old man who...
by Ed Hinerman | Jun 22, 2009 | bait and switch, life insurance
Bait and Switch! Most commonly run across in advertising or in sales pitches when a price is presented that the agent or agency knows is either inappropriate or unattainable. The truth, the switch, in life insurance is usually only brought to the surface after a long...
by Ed Hinerman | Jun 9, 2009 | insurance, life insurance
I’ve often written in the past about the value, actually the necessity of getting trial offers on any case that doesn’t fit into cookie cutter underwriting guideline molds for life insurance. And frankly, unless the mold it is already in is the best rate...
by Ed Hinerman | Jun 8, 2009 | decline, insurance, life insurance
A life insurance decline doesn’t do anyone much good. The client doesn’t get the insurance and the agent and company spend time and money getting to that conclusion and lose money because nothing is ever purchased. Just so no one thinks I’m starting...
by Ed Hinerman | Jun 4, 2009 | cholesterol, insurance, life insurance
If I had to choose one life insurance underwriting guideline that causes more consternation than any other it would be the subject of cholesterol. I still get all tied in knots over the debate concerning cholesterol that I had with ING Reliastar In December and...
by Ed Hinerman | Jun 3, 2009 | cholesterol, insurance, life insurance
A potential life insurance client was interviewing me the other day and asked why he should put confidence in my quote for a better rate on term life insurance than he was currently paying. Certainly a fair question and one that goes right to the meat of our business...
by Ed Hinerman | Jun 2, 2009 | cholesterol, diabetes, insurance quotes, life insurance
I’m going to make up some statistics for the sake of this discussion. They may not be completely accurate, but I suspect they are close enough for government work. Do I get TARP money for saying that? It is my belief that 75% of men don’t know what their...
by Ed Hinerman | May 14, 2009 | cholesterol, HDL, heart attack, high blood pressure, hypertension, insurance, life insurance, stroke
There are plenty of people that apply for life insurance and are sure they are going to get the best rate class available. In their mind they are even ahead of Superman because he has that disorder that has to do with Kryptonite. These people have never been sick,...
by Ed Hinerman | May 12, 2009 | basal cell carcinoma, cancer, cholesterol, insurance, life insurance, mortality, mortality risk
Very few weeks slip by that I don’t take the opportunity to drive home the life insurance consequences of not following through with a doctor’s recommendation for a test or a follow up visit. These may seem like small things, but in the world of...
by Ed Hinerman | Apr 29, 2009 | cancer, cholesterol, foreign travel, insurance, life insurance, mortality, mortality risk, prostate cancer
When I got my briefs in a bunch earlier this year in a little spat with ING Reliastar, on the surface it would seem that we were arguing semantics. Just underneath the surface is a gray area about half the size of the universe where life insurance companies seem to...
by Ed Hinerman | Apr 9, 2009 | Banner Life, blood pressure, bypass surgery, cancer, cholesterol, diabetes, gastric bypass, heart disease, insurance, life insurance, obesity, Prudential
Let’s don’t mince words on this subject. If someone is 40% overweight they are twice as likely to die prematurely than someone of average build. It’s not the fat that kills you, but the strain that all that extra weight puts on your body making you a...
by Ed Hinerman | Mar 20, 2009 | blood pressure, cholesterol, obesity, Prudential
It’s been no secret since I followed the Biggest Loser reality series, that while the obesity and BMI challenged might pay a little more for their life insurance than folks that are under the BMI threshold for overweight, there are companies that do offer fair...
by Ed Hinerman | Mar 13, 2009 | blood pressure, cholesterol, COPD, decline, diabetes, gastric bypass, heart attack, high blood pressure, insurance, life insurance, obesity, smoking, stroke
One of the key life insurance underwriting factors for just about any health or mental health issue is compliance with treatment and avoidance of other risk factors and collateral health issues. Compliance is taking medication prescribed exactly as it’s...
by Ed Hinerman | Mar 11, 2009 | blood pressure, cholesterol, obesity
We’ve talked a lot about obesity and overweight issues and how build affects life insurance rates. A person’s build, their height and weight and how that is distributed, is probably one of the biggest sore spots in life insurance underwriting, at least to...
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