by Ed Hinerman | Sep 9, 2008 | blood pressure, cancer, diabetes, gastric bypass, heart disease, high blood pressure, insurance, life insurance, liver functions, obesity, stroke
Remember the good old days when livers were done in by drinking too much? Cirrhosis of the liver can eventually lead to liver failure or liver cancer, kind of a no win situation unless you have a spare hidden in the closet. Now studies show that obesity can lead to a...
by Ed Hinerman | Sep 8, 2008 | cancer, diabetes, heart attack, insurance, life insurance, obesity
It’s always good to talk to people who have come through major health issues like heart attacks or cancer and have taken the bull by the horns and made life style changes that will likely add years to their lives and a bonus of quality to go with it. Then there...
by Ed Hinerman | Sep 8, 2008 | diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
To me it is amazing the number of people with type 1 diabetes and type 2 diabetes who not only can’t tell you what their last hbA1c level was, but honestly don’t know what I am referring to when I am gathering information vital for finding them the best...
by Ed Hinerman | Aug 27, 2008 | arrythmia, cancer, decline, diabetes, heart disease, Independent agent, insurance, life insurance
I feel like a myth buster today. I was speaking with a woman today who made it very clear that she didn’t want to apply for life insurance if there was a chance she would be declined. Here reason is that life insurance applications ask if you’ve ever been...
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 | diabetes, gastric bypass, heart disease, insurance, life insurance, obesity, Type 2 diabetes
In previous posts I have touched on studies that have shown that the dramatic weight loss provided by gastric bypass surgery has proven to have much more value than just a matter of convenience in losing weight. With the primary risk factor for type 2 diabetes being...
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 30, 2008 | diabetes, heart disease, high blood pressure, Independent agent, insurance, life insurance, obesity
As we’ve reviewed the underwriting criteria for life insurance when it involves diabetes over the years, I’ve beat the need to know your hbA1c to death. I would guess that more than 50% of diabetics I have spoken with don’t even know what I’m...
by Ed Hinerman | Jul 28, 2008 | bipolar disorder, diabetes, epilepsy, heart disease, Independent agent, insurance, life insurance
I’ve mentioned many times that the large internet agencies are well equipped to pursue and sell the younger age, completely healthy market. It is, for them, an uncomplicated and easy way to keep the cash flowing. It is much quicker and easier than dealing with...
by Ed Hinerman | Jul 22, 2008 | diabetes, insurance, life insurance, obesity, Type 2 diabetes
When I was helping out after Hurricane Rita in Mississippi, I got to experience, first hand, southern hospitality and also the gateway to obesity, down home southern cooking. The only thing that saved me from coming back from that trip 25 pounds heavier was the fact...
by Ed Hinerman | Jul 21, 2008 | cancer, diabetes, heart disease, insurance, life insurance, obesity
We’ve blogged long and hard for years about the obesity epidemic in our country and the high cost the participants are paying in added health problems, shorter life spans and higher life insurance premiums. So, not that we had anything to do with it, but hats...
by Ed Hinerman | Jul 20, 2008 | cancer, diabetes, heart attack, Independent agent, insurance, life insurance
At least a dozen times a week I get an opportunity to review someone’s current and historical health with them. I’m on a fact finding mission with the goal of getting each person the best possible life insurance rates they can expect in their unique...
by Ed Hinerman | Jul 17, 2008 | cancer, diabetes, heart disease, insurance, life insurance, life settlements
This is an area involving life insurance that is receiving more and more attention and a topic where the troops (life insurance agents) are definitely divided. A life settlement involves the sale of your policy to a third party. The third party takes over ownership,...
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