by Ed Hinerman | Feb 13, 2008 | bipolar disorder, breast cancer, cancer, Depression, diabetes, heart disease, Independent agent, insurance, life insurance, prostate cancer, term insurance
There are so many options to shop for your life insurance needs, each making the claim that they will save you money. Save 70% on your term insurance! Hundreds of companies to choose from! Give us 10 minutes and you could save hundreds of dollars on term life...
by Ed Hinerman | Feb 5, 2008 | Anxiety, bipolar disorder, Depression, heart attack, insurance, life insurance
There are times when I wonder how any one in this world can live without have some degree of anxiety. I know I was just a kid back, but I don’t remember the 50’s and 60’s, or for that matter the 70’s being overly stressful. Then came the...
by Ed Hinerman | Feb 3, 2008 | Anxiety, bipolar disorder, Depression, insurance, life insurance
I read a list of lifestyle choices today that, if most of us instituted them in our lives, would probably make positive changes. Oddly enough, the list came from Bipolar.com, an excellent site for those with bipolar or those living with someone who has bipolar...
by Ed Hinerman | Jan 29, 2008 | Depression, insurance, life insurance, Sleep apnea
Fatigue, lack of concentration and irritability. All classic symptoms of depression. Also, all classic symptoms of sleep apnea. In a New York Times article “Remedy for Sleep Apnea May Lift Depression’s Veil”, the similarity and ways to peel away the...
by Ed Hinerman | Jan 28, 2008 | bipolar disorder, Depression, diabetes, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
With my 2007 reward for Redundiferous Excellence safely tucked away on my office shelf, I am, like Tiger Woods and the Fedex Cup, shooting for two in a row. I hope that I have left no chance unturned to drive home the point that life insurance underwriters want to see...
by Ed Hinerman | Jan 18, 2008 | bipolar disorder, Depression, insurance, life insurance
Being a life long Rocky Mountain guy, if I were ever asked to describe depression in picture form, I would probably start with, “imagine you’re in the Northwest”… I’ve been here for a week and am suffering from lack of solar gain....
by Ed Hinerman | Jan 5, 2008 | cancer, Depression, insurance, life insurance, prostate cancer
Prostate cancer treated in early stages has a high survival rate. Whether by radical prostectomy, radioactive seed implant or external beam radiation therapy, most treatments are succuessful if the cancer is caught early. More advanced or aggressive prostate cancer is...
by Ed Hinerman | Nov 8, 2007 | Depression, diabetes, high blood pressure, hypertension, insurance, life insurance, obesity, Type 2 diabetes
It seems sometimes that the world is kind of teetering on the edge, kind of an unnerving feeling. I thinks for kids this is especially problematic since they have yet to develop coping mechanisms and probably don’t really have a grasp on just how crazy our world...
by Ed Hinerman | Nov 5, 2007 | Anxiety, Depression, heart attack, high blood pressure, insurance, life insurance
We’ve talked about the effects of stress on health and we’ve even talked about how mild stress channeled effectively can increase productivity. I’ve shared a few times what a huge relief a vacation is to the overall stress of especially work life....
by Ed Hinerman | Oct 16, 2007 | Anxiety, cancer, Depression, diabetes, DUI, heart attack, Independent agent, private pilots, prostate cancer, Sleep apnea
The Rock!! I bring Pru up every once in a while simply because they seem to be a company that is out to make a difference in the life insurance business. Other companies are competitive, and Prudential isn’t the answer to every life insurance question, but they...
by Ed Hinerman | Oct 11, 2007 | Anxiety, Attention Deficit Disorder, Depression, Independent agent, insurance, life insurance
If asked what the drug of the 90’s was, my guess is that most answers would sway to the wrong side of the alley and go with crack or methamphetamines. Being the cleancut, right side of the alley kind of guy, my vote went to Prozac. I was researching the...
by Ed Hinerman | Sep 26, 2007 | Anxiety, Depression, Independent agent, insurance, life insurance
Life insurance underwriters have their hands full trying to sort through all of the possibilities with an applicant suffering an anxiety disorder. I had in my mind that it was just this simple. People had depression and they were down. People had anxiety disorders and...
by Ed Hinerman | Sep 22, 2007 | Anxiety, cancer, cholesterol, Depression, heart disease, insurance, life insurance, private pilots, term insurance, universal life
For the next several weeks I will be occasioanally giving information on the companies that I use. Each of these companies has a strong point or they would’t be in my portfolio. Each of them has weak points and these are things I consider when I am...
by Ed Hinerman | Jul 21, 2007 | Alcohol Treatment Life Insurance, Depression, DUI, Independent agent, insurance, life insurance
Clients are always surprised that their alcohol use can be an underwriting issue. Whether a person has been through alcohol treatment, has had a DUI, or just consumes higher than average amounts of alcohol, they present an underwriting challenge on more than one...
by Ed Hinerman | Jun 7, 2007 | Alcohol Treatment Life Insurance, cancer, Depression, Drug Treatment Life Insurance, estate taxes, heart disease, insurance, life insurance, private pilots
A Simon and Garfunkel song with the line, “my lack of education hasn’t hurt me none”. Well that may be just fine for most life insurance agents, but the fact that it hasn’t “hurt them none” isn’t really the point. How many...
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