by Ed Hinerman | Jun 23, 2008 | bypass surgery, cancer, diabetes, gastric bypass, heart attack, heart disease, insurance, life insurance, obesity
There is a real tendency in our society to brand the morbidly obese as taking the easy way out of the problem they’ve created by considering gastric bypass surgery. Gastric bypass reduces the size of the stomach by stapling off the majority. This causes massive...
by Ed Hinerman | Jun 16, 2008 | coronary artery disease (CAD), diabetes, high blood pressure, insurance, life insurance, Type 2 diabetes
For just about any health issue there is a “sweet spot” for life insurance underwriting, that place where all of the pluses overcome the minuses and a better than usual approval is received. This is especially true of underwriting guidelines for type 2...
by Ed Hinerman | Jun 11, 2008 | cancer, coronary artery disease (CAD), decline, diabetes, hepatitis, Independent agent, insurance, life insurance, prostate cancer
When you apply for life insurance it is not a given that you will get what you want or what you believe you deserve. By far the majority of policies are approved with no surprises. A smaller percentage are approved but at a different rate. And a small percentage are...
by Ed Hinerman | Jun 9, 2008 | angioplasty, bypass surgery, cancer, coronary artery disease (CAD), diabetes, heart attack, Independent agent, insurance, life insurance
Any time I am working with a new client who has had serious health issues, there are specific pieces of information I need that are essential to my ability to provide an accurate quote. On rare occasions people will know the critical information, but most of the time...
by Ed Hinerman | Jun 7, 2008 | diabetes, heart disease, insurance, life insurance, stroke, Type 2 diabetes
I have written in the past about life insurance underwriting on type 2 diabetes and also on heart disease. I think I have been very clear about the fact that life insurance underwriters are adamant about good control of diabetes and also we’ve discussed the...
by Ed Hinerman | Jun 6, 2008 | diabetes, epilepsy, heart disease, insurance, key man insurance, liver functions, long term care, obesity, return of premium term insurance, universal life
There is a common misconception that has floated around for the past 100 years or so of my life that if a person has cardiac problems, a heart attack, or coronary artery disease (CAD) requiring heart bypass surgery or an angioplasty, they are irreparably damaged in...
by Ed Hinerman | Jun 5, 2008 | cancer, diabetes, heart disease, Independent agent, insurance, life insurance, obesity, Type 2 diabetes
Everyone believes they should get the preferred plus rates that are advertised everywhere. “Di you know that John can have $500,000 of term life insurance for just $12 per month?”. The truth is that many qualify for those rates and get them, but for the...
by Ed Hinerman | May 28, 2008 | bait and switch, diabetes, insurance, life insurance, term insurance, Type 2 diabetes
In my last post I hope I made a clear distinction between a life insurance agent who is qualified to handle cases that involve health issues, and those who really shouldn’t play with sharp objects. At the end I alluded to the definitive way to separate the two...
by Ed Hinerman | May 28, 2008 | Anxiety, bipolar disorder, Depression, diabetes, heart attack, heart disease, hepatitis, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
There must be a couple of million people in the US licensed to sell life insurance. If you take in the giant internet mega agencies, all of the independent agents, and all of the captive agents (work for just one company), the possibilities for purchasing life...
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 14, 2008 | diabetes, insurance, life insurance
I know in the past I have been less than flattering with my opinion of the ADA as an advocacy group for the diabetes community. I would feel like a loose cannon if it wasn’t an opinion that seems to be fairly widespread. My beef, of course, has always been that...
by Ed Hinerman | May 13, 2008 | diabetes, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
Last week I mentioned in a post that there seemed to be something of an epidemic of adult onset type 1 diabetes, a hybrid of sorts that is starting to pick up steam under the new name type 1.5 diabetes. Here in Colorado, outside of our small epidemic, diabetes was...
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...
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 | May 9, 2008 | diabetes, heart disease, insurance, life insurance, obesity, Type 2 diabetes
It’s been a while since I’ve brought this up, but let’s be very real about this. There is a type 2 diabetes epidemic going on in this country and it seems to be riding into town sitting squarely on the tail gate of the obesity epidemic. So Ed, how...
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