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 16, 2008 | cholesterol, heart disease, insurance, life insurance
Life insurance exams have stayed pretty much the same for as long as I’ve been in the business, about 150 years now. On the lab side, the blood and urine testing, an occasional new test has come along and a few have gone down in extraordinary flames. The...
by Ed Hinerman | Aug 14, 2008 | angioplasty, heart disease, insurance, life insurance
I think I’ve been very clear over the years about unexplained information in medical records and how life insurance underwriters deal with it. They ask questions! Sometimes the mystery information isn’t relevant once it is explained. Sometimes the...
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 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 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,...
by Ed Hinerman | Jul 1, 2008 | cancer, guaranteed issue life insurance, heart attack, heart disease, insurance, life insurance
To a guy this makes perfect sense. From my own experience I can tell you that most women, especially those married to guys that feel fine, don’t share that philosophy. Unlike us guys, they think doctors are serious about the importance of annual physicals and...
by Ed Hinerman | Jun 24, 2008 | blood pressure, cancer, heart disease, high blood pressure, hypertension, insurance, life insurance, stroke
A lot has been made over the years about diet and exercise being key components of a successful battle with hypertension or high blood pressure. But from the fringes we keep hearing snippets about drinking a glass of wine a day, eating dark chocolate and other things...
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 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 | 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 24, 2008 | coronary artery disease (CAD), heart disease, Independent agent, insurance, life insurance, obesity, Sleep apnea, stroke
Probably one of the most challenging parts of life insurance is explaining to clients why their, at least to them, seemingly innocuous health issue impacts their life insurance rates. Their belief is that if it isn’t bothering them too much and their doctor...
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