by Ed Hinerman | Apr 5, 2007 | cancer, coronary artery disease (CAD), epilepsy, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
If I were speaking to an auditorium full of people, a specially selected audience, all of whom had type 1 or type 2 diabetes, or epilepsy, and I asked for a show of hands for everyone who had tried to buy life insurance since their diagnosis, likely I would see a...
by Ed Hinerman | Apr 3, 2007 | cholesterol, coronary artery disease (CAD), epilepsy, Independent agent, insurance, life insurance, seizure disorder, Type 1 diabetes, Type 2 diabetes
If you told a life insurance agent that you have a seizure disorder or epilepsy, and have they told you are uninsurable without asking more questions, take them off your Christmas card list. They are, not unlike most of their fellow agents, ignorant of the disorder...
by Ed Hinerman | Mar 31, 2007 | coronary artery disease (CAD), heart attack, Independent agent, insurance, life insurance
With the news out this week that a recent study shows little or no added health benefit for a heart patient that has a stent put into a vein, stand by to see how life insurance underwriting will react. Quoting an Associated Press article by Mark Jewell,...
by Ed Hinerman | Mar 30, 2007 | breast cancer, cancer, coronary artery disease (CAD), Independent agent, insurance, life insurance
I will simply start with my standard off the shelf advice. If you talk to a life insurance agent, mention you had breast cancer, and they immediately tell you that you are uninsurable, they are either stupid or lazy, or both. Go find an independent agent that...
by Ed Hinerman | Mar 29, 2007 | coronary artery disease (CAD), hypertension, Independent agent, insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
Four tips for type 1 and type 2 diabetics who are looking for life insurance and don’t want to pay through the nose for it. 1. Learn about your diabetes. Be able to explain to an independent agent when it was diagnosed, exactly what your treatment is, and if...
by Ed Hinerman | Mar 22, 2007 | cancer, coronary artery disease (CAD), heart attack, Independent agent, insurance, insurance quotes, life insurance
Coronary artery disease (CAD), heart attacks, angioplasty and bypass surgery are generally enough to make the average life insurance agent run for the hills. As they close the door or hang up the phone they will probably be sputtering something about uninsurable. Time...
by Ed Hinerman | Mar 20, 2007 | breast cancer, cancer, coronary artery disease (CAD), hepatitis, Independent agent, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, whole life
There is certainly no lack of unjustified respect for some of the biggest names in life insurance in the country. If you’ve seen their name on television or in magazines it kind of sticks with you and you probably, like most folks, assume that big and famous,...
by Ed Hinerman | Mar 14, 2007 | cancer, coronary artery disease (CAD), hypertension, Independent agent, insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
Go figure how a website can make it to the top of Google under the search “Life insurance for diabetics” and be completely uninformative and actually misleading. They start off with statements like this, “Once a person is diagnosed with diabetes,...
by Ed Hinerman | Mar 10, 2007 | coronary artery disease (CAD), heart attack, Independent agent, insurance, insurance quotes, life insurance
You have to love an optimist. I had a call a few years back from a man inquiring about life insurance. As we were going through health questions I asked about cardiac issues and he admitted that he had gone through a two vessel angioplasty after a minor heart attack....
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