by Ed Hinerman | May 12, 2008 | cholesterol, diabetes, insurance, life insurance, PSA
I have often suggested going to local health fairs as a prudent step for those who either can’t afford a physical with a blood workup or, like so many, can’t seem to find the time in their busy lives to sit in a doctor’s office for an hour past the...
by Ed Hinerman | Apr 25, 2008 | cholesterol, insurance, life insurance, term insurance
It’s generally the drama of the week around here. Someone has applied for insurance only to find out that they are fatter than they thought, their cholesterol of blood pressure is higher than the guidelines because they never check it, or their rate is approved...
by Ed Hinerman | Apr 13, 2008 | cancer, cholesterol, heart disease, insurance, life insurance, PSA
I have often written about the surprises that come with life insurance exam results, from the fairly benign slight elevations in cholesterol to the alarming large elevations in PSA results. The surprise should really come as no surprise because the person who gets...
by Ed Hinerman | Apr 9, 2008 | cholesterol, coronary artery disease (CAD), insurance, life insurance
In a post some months ago I was sharing some of my new found knowledge about ultra fast CT scans and their viability and dependability in detecting clogged arteries in the heart. Just to refresh a bit, the ultra fast CT scan hangs it’s hat on the ability to...
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 15, 2008 | cholesterol, insurance, life insurance
I have often had clients who had cholesterol tests come back well out of the normal range and blamed it on forgetting to fast, or in the case of a recent client, a nurse that called and said it would be better for her if she came that particular evening instead of the...
by Ed Hinerman | Feb 26, 2008 | bipolar disorder, blood pressure, cholesterol, diabetes, heart disease, high blood pressure, Independent agent, insurance, life insurance, obesity
Let me just reiterate from previous posts that if you have bipolar disorder, you can expect for almost all life insurance companies to decline you. They don’t care to what degree the disorder impacts your life. They put the completely functional CEO of a company...
by Ed Hinerman | Feb 11, 2008 | bipolar disorder, cholesterol, high blood pressure, insurance, life insurance, obesity
Report after report talk about rampant, out of control obesity. MacDonald’s is to blame. Television and video games are to blame. I’m sure there are reports out there that directly blame my mother’s chocolate chip cookies. Somehow I ate them and...
by Ed Hinerman | Jan 31, 2008 | cholesterol, heart disease, high blood pressure, hypertension, insurance, life insurance, smoking
Smoking is often touted by those who partake as a way to calm themselves. Of course, from a life insurance standpoint, calm or not, smoking carries so much health baggage with it that rates for smokers are dramatically higher than non smokers. A recent study suggests...
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 22, 2008 | cholesterol, Independent agent, insurance, life insurance
If we have established anything over the past 500+ posts in this blog, it’s that no two life insurance companies underwrite exactly the same. Cholesterol and cholesterol ratios (total/hdl) are carefully viewed in the labwork done for life insurance. Because of...
by Ed Hinerman | Jan 21, 2008 | cholesterol, diabetes, insurance, life insurance
Well, Mr Doom and Gloom here. I’ve often talked about the good news for people with diabetes that need life insurance, generally layered thickly with a reminder of all the reasons you should carefully monitor and treat your diabetes for your own good reasons....
by Ed Hinerman | Dec 6, 2007 | cholesterol, heart disease, insurance, life insurance
Well, it’s almost a hard and fast rule. In most overweight people, weight loss will lead to lower lipid levels and a healthier balance between total cholesterol and HDL, good cholesterol. Almost! Anyone who follows the whole cholesterol issue, or for that matter...
by Ed Hinerman | Nov 16, 2007 | blood pressure, cholesterol, cigar smokers, Independent agent, insurance, life insurance, term insurance
Just when you think you’ve seen it all! MSNBC takes the big bucks from Selectquote to misrepresent term insurance on national TV. Suze Orman is given the green light to puke out life insurance stupidity at Oprah’s expense. And now. CNN has obviously...
by Ed Hinerman | Nov 9, 2007 | cholesterol, heart attack, insurance, life insurance, term insurance
I know there is logic galore for putting off the purchase of life insurance until just the right time, or until you’re just the right weight, or until your cholesterol is just the right level…..and the logic fails completely when you drop dead before you...
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