by Ed Hinerman | Aug 27, 2007 | cancer, diabetes, heart disease, insurance, life insurance
I kind of like those cholesterol med commericals on TV. “Is it from bow tie pasta, or your Uncle Bo? Well, family history has been a bone of contention in life insurance underwriting for some time and companies have been all over the map with their treatment of...
by Ed Hinerman | Aug 27, 2007 | cancer, diabetes, heart attack, heart disease, insurance, life insurance
I know when a serious health problem strikes a family member it seems as if the world is crumbling. There is a deep need for a life buoy of some kind out there that will take some of the edge off of the situation. This is the point at which I get many calls wanting to...
by Ed Hinerman | Aug 24, 2007 | heart disease, high blood pressure, insurance, life insurance
I have always been an advocate of, if a moderate amount of something is good for, then a huge amount should be great for you. A glass of red wine a day is supposed to help your chances of avoiding heart disease. So, why not a bottle a day and have the heart of a 20...
by Ed Hinerman | Aug 24, 2007 | cholesterol, heart disease, insurance, life insurance, prostate cancer, PSA
I’ve been accused of harping on some subjects, but I will never be accused of glossing something over or falling short of driving a point home. In our own health, as well as in our quest for lower life insurance rates, knowledge of our own health and educating...
by Ed Hinerman | Aug 23, 2007 | heart attack, heart disease, insurance, insurance quotes, life insurance
It’s been one of those weeks that will drive me to repeating myself. I know I just smacked doctors over the head a few days ago about how they don’t quite explain all the relevant details to their patients. That really puts the patient in a awkward...
by Ed Hinerman | Aug 23, 2007 | breast cancer, cancer, diabetes, heart disease, insurance, life insurance
Mom always said to take my vitamins. Actually she really didn’t, and the truth is that she wasn’t all that big on taking vitamins herself. Who would have ever thought that if she had been taking vitamins regularly and specifically vitamin D, she may not...
by Ed Hinerman | Aug 22, 2007 | cancer, diabetes, heart attack, heart disease
Doctors are famous for leaving out details. I can’t tell you how many people I’ve talked to whose doctors only told them the feel good parts of their health issue. It is fairly common for a heart attack victim to get stress test follow ups. When I ask them...
by Ed Hinerman | Aug 16, 2007 | cancer, diabetes, gastric bypass, heart disease, insurance, life insurance
As a life insurance agent I’ve become used to the term mortality experience, how long a person can expect to live given a set of health issues. It was kind of creepy the one and only time I spoke with someone in the life settlement business. I gave him a...
by Ed Hinerman | Aug 13, 2007 | cancer, heart disease, Independent agent, insurance, life insurance, stroke, Type 2 diabetes
Just to follow on up on all the discussion that started with my post last week that will follow “Fat March” participants as they lose weight on national TV. I felt it would be informative for anyone who is dealing with weight issues to know that life...
by Ed Hinerman | Aug 9, 2007 | cancer, cholesterol, diabetes, heart disease, hepatitis, high blood pressure, insurance, life insurance, stroke
Barry Bonds now has more home runs than anyone in history. 756!! I tried hitting 50 mph balls in a batting cage one time and hit like one out of twenty or so and it was not home run material. I’m impressed. Some people say he got there with the use of steroids....
by Ed Hinerman | Aug 8, 2007 | diabetes, heart disease, Independent agent, insurance, life insurance, obesity
After being beat up by a body mass index calculator yesterday, I have found an ally in my new found health problem. While life insurance underwriters still take a stance that obesity and some of it’s ugly cousins, diabetes and heart disease, are not going to get...
by Ed Hinerman | Aug 6, 2007 | diabetes, heart disease, insurance, life insurance, obesity
The number of health problems that could be avoided with a change away from fast food eating habits is huge. The amount of money that could be saved on life insurance if that habit were shot and left for dead would be huge. But ours’ is a society that is easily...
by Ed Hinerman | Aug 3, 2007 | diabetes, heart disease, insurance, liver functions
One of the most important factors in life insurance underwriting of significant health issues such as diabetes or heart disease is a person’s willingness to do what it takes to manage the health problem. If a person is compliant with their medical advice and...
by Ed Hinerman | Aug 2, 2007 | cancer, heart disease, insurance, life insurance, prostate cancer
Depending on the life insurance company, rates for smokers can be anywhere from 2 to 4 times as much as for a non smoker in comparable health. Life insurance underwriters have a healthy respect for the link that smoking has to almost any health problem. In a post...
by Ed Hinerman | Jul 31, 2007 | cancer, diabetes, heart disease, insurance, life insurance
Heart disease is no longer the number one cause of death for Americans under the age of 85. Dramatic decreases in the death rate per 100,000 have been cut almost in half for both men and women in a study that spanned 1980 to 2000. This bumped cancer up to the number...
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