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 1, 2008 | heart attack, insurance, life insurance, private pilots, stroke
I was having a discussion with a private pilot concerning life insurance one day. This particular pilot had been a client for some time and a few year earlier had suffered something akin to a stroke. The FAA had pulled his license after the incident. He was calling to...
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 | heart attack, heart disease, insurance, life insurance, obesity, smoking
To me this is another great example of our education system really missing the mark as far as what they perceive to be the most valuable information a young adult needs to get on with life. It is, and isn’t amusing that a high school student is required to pass...
by Ed Hinerman | May 20, 2008 | cholesterol, heart attack, heart disease, Independent agent, insurance, life insurance
Much has been made about cholesterol over the years. It went from an unknown quantity to a household word that carried with it the weight of heart disease and heart attacks. Who of has not seen a TV commercial with little pieces of plaque sticking together in an...
by Ed Hinerman | May 15, 2008 | asthma, coronary artery disease (CAD), heart attack, insurance, life insurance, smoking
A perfectly healthy person who smokes can expect to pay, best case, twice as much as a person who doesn’t smoke for life insurance. I’ve been on that soap box often enough that I don’t know that I need to beat it to death anymore. With that being...
by Ed Hinerman | Apr 16, 2008 | coronary artery disease (CAD), heart attack, heart disease, insurance, life insurance, obesity, smoking
I have no idea, but if someone has had a heart attack I know that one thing that won’t hurt their feelings is finding affordable life insurance rates. While I may not have a clue about broken hearts, I can shed some light on what life insurance underwriters look...
by Ed Hinerman | Apr 8, 2008 | bipolar disorder, breast cancer, cancer, diabetes, heart attack, Independent agent, insurance, life insurance, Type 1 diabetes
I’ve mentioned before that there is a problem in the life insurance business. Pure and simple, it’s greed. Agents are so protective of a potential sale that they will actually tell a customer they are uninsurable, rather than admit they are the wrong agent for the...
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 13, 2008 | bipolar disorder, cancer, Depression, diabetes, heart attack, Independent agent, insurance, life insurance, private pilots
I’ve often discussed the fact that out of the nearly 2000 companies that purport to be in the life insurance business, there are only a handful, maybe 2% that are serious about working to get you the best deal. When you throw in health issues of any consequence...
by Ed Hinerman | Mar 10, 2008 | heart attack, heart disease, insurance, life insurance
I’ve written posts on the subject of the “revolutionary” ultra fast CT scan, the snap shot of the heart that would finally put an end to invasive diagnosis methods such as cathaterization. In those posts you may remember that the problem was that the...
by Ed Hinerman | Feb 15, 2008 | Depression, heart attack, insurance, life insurance
I admit that I am something of a whiner when it comes to cold and snow. I am often asked, if that’s true, why I live in Colorado? The answer lies mostly outside the winter months. Snow has been building up, or at least not going away since late November. A few...
by Ed Hinerman | Feb 12, 2008 | heart attack, high blood pressure, hypertension, insurance, life insurance, stroke
So, you’ve been told you have hypertension, high blood pressure in layman’s terms. Your doctor said that you need to take medication and change a few lifestyle items, primarily eating right and getting more exercise. If you are like the majority of high...
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 2, 2008 | blood pressure, heart attack, high blood pressure, hypertension, insurance, life insurance
No. I’m not suggesting that a pre game aspirin will ward off a post game hangover. I’m afraid that those prone to toast every down and play will have to deal with the consequences post game. There may be good reason to do some pre-game heart attack...
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