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 13, 2008 | cholesterol, life insurance
The life insurance quotes we provide are always subject to “complete medical underwriting” which includes an examination (labs and physical exam) and a review or your medical records. One of the larger bones of contention when it comes to underwriting is...
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 | 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 | 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 | Aug 16, 2008 | cholesterol, heart disease, insurance, life insurance
Life insurance exams have stayed pretty much the same for as long as I’ve been in the business, about 150 years now. On the lab side, the blood and urine testing, an occasional new test has come along and a few have gone down in extraordinary flames. The...
by Ed Hinerman | Aug 6, 2008 | cholesterol, diabetes, heart attack, insurance, life insurance, obesity, term insurance
Life insurance agents don’t usually get paid unless they make a sale. This can sometimes cast us in a shady light if the application doesn’t go as planned and we start offering alternatives. People perceive us as doing what it takes to salvage some income...
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 | Aug 1, 2008 | cholesterol, diabetes, high blood pressure, Independent agent, insurance, life insurance, Type 2 diabetes
For a long time in the medical and life insurance communities there has been a definition of when someone has diabetes as opposed to being pre-diabetic. The problem has been that doctors had clear courses of action they could take when confronted with a diagnosis of...
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 | Jul 3, 2008 | cholesterol, insurance, life insurance, private pilots, smoking
It is a common belief that a life insurance agent’s offer of an annual review of your policy is nothing more than a ploy to try to get you to buy more insurance. I know from experience with my own clients that many are so sales phobic that their honest belief is...
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 20, 2008 | cholesterol, heart attack, heart disease, Independent agent, insurance, life insurance
Much has been made about cholesterol over the years. It went from an unknown quantity to a household word that carried with it the weight of heart disease and heart attacks. Who of has not seen a TV commercial with little pieces of plaque sticking together in an...
by Ed Hinerman | May 13, 2008 | cholesterol, diabetes, heart disease, high blood pressure, insurance, life insurance, obesity
Life style choices impact your health, the quality of the life you live and not so coincidently, the rates you pay for life insurance. Choosing a healthy diet and regular exercise over obesity can avoid a host of complications that we’ve talked about so much in...
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