by Ed Hinerman | Feb 19, 2008 | bipolar disorder, diabetes, epilepsy, heart disease, high blood pressure, hypertension, Independent agent, insurance, life insurance
As the word sneaks out a little further each day, I have more and more people contacting me and asking if it’s true. Can they get life insurance at affordable rates even though they have bipolar disorder? I wish I could claim that the answer is unequivocally...
by Ed Hinerman | Feb 13, 2008 | bipolar disorder, breast cancer, cancer, Depression, diabetes, heart disease, Independent agent, insurance, life insurance, prostate cancer, term insurance
There are so many options to shop for your life insurance needs, each making the claim that they will save you money. Save 70% on your term insurance! Hundreds of companies to choose from! Give us 10 minutes and you could save hundreds of dollars on term life...
by Ed Hinerman | Feb 8, 2008 | bipolar disorder, diabetes, heart disease, Independent agent, insurance, life insurance, obesity
I have often made the life insurance underwriting comparison between diabetes and bipolar disorder. In simple terms, what is needed to get the best possible rates is compliance with prescribed treatment and good control. The good control is of course different with...
by Ed Hinerman | Feb 7, 2008 | diabetes, heart disease, insurance, life insurance, Type 2 diabetes
Well, just when life insurance underwriters and doctors think they’re on the same page, and they believe it’s the right page, someone kicks the door down and throws a wrench in their thinking. In search of a way to control diabetes, and specifically type 2...
by Ed Hinerman | Feb 5, 2008 | diabetes, heart disease, Independent agent, insurance, life insurance, obesity
Well, I’ve got your good news and your bad news. You know how I’ve gone on and on about all of the collateral health issues attributable to obesity. Now there is a study that indicates that people who are obese may in fact have lower health care costs than...
by Ed Hinerman | Feb 1, 2008 | breast cancer, cancer, heart disease, insurance, life insurance, obesity
While I generally agree with most family history guidelines that life insurance underwriters use, there are times when common sense simply has to override the guidelines. After all, they are called underwriting guidelines, not rules. I’ve had to defend family...
by Ed Hinerman | Jan 31, 2008 | cholesterol, heart disease, high blood pressure, hypertension, insurance, life insurance, smoking
Smoking is often touted by those who partake as a way to calm themselves. Of course, from a life insurance standpoint, calm or not, smoking carries so much health baggage with it that rates for smokers are dramatically higher than non smokers. A recent study suggests...
by Ed Hinerman | Jan 25, 2008 | diabetes, heart disease, insurance, life insurance
It’s an election year and in case you haven’t heard what we’ve spent on the war on terror, or in Afghanistan, or in Iraq, just turn on the evening news and I assure you that you will catch a sound bite from someone talking about all that money....
by Ed Hinerman | Jan 24, 2008 | cancer, diabetes, heart disease, high blood pressure, insurance, life insurance, obesity, Type 2 diabetes
I was asked a few days ago to be interviewed, as a high school assignment, on the subject of obesity and insurance rates. The core question was concerning the fairness of charging higher rates for someone who is overweight. Rebecca Kuo, a student from Houston, TX was...
by Ed Hinerman | Jan 23, 2008 | diabetes, gastric bypass, heart disease, insurance, life insurance, obesity, Type 2 diabetes
It’s no secret that obesity is one of the leading risk factors for the onset of type 2 diabetes. Left alone, the combination of the two can be the start of a downward health slide that leads to heart disease and other major health issues. I’ve talked to...
by Ed Hinerman | Jan 23, 2008 | diabetes, heart attack, heart disease, insurance, life insurance
I have gone on before about how your doctors lack of attempt to educate patients on their health conditions such as diabetes and heart disease has led to poor treatment compliance and often has led to complications or collateral health issues that could have been...
by Ed Hinerman | Jan 23, 2008 | heart attack, heart disease, insurance, life insurance
In a post yesterday we talked about stress related heart issues in women. Heart attacks just simply are not that rare in women and more should be done to be proactive about it. Lifestyle changes and regular checkups should be at the top of the list. I ran across a...
by Ed Hinerman | Jan 21, 2008 | breast cancer, cancer, coronary artery disease (CAD), diabetes, heart attack, heart disease, insurance, life insurance, obesity, stress, women
In my passion to ensure that the world understands the risks of cancer, obesity and diabetes, I have often referred to heart disease, coronary artery disease, as a collateral health issue. What I have neglected to do is give the number one killer of men and women the...
by Ed Hinerman | Jan 2, 2008 | heart attack, heart disease, high blood pressure, insurance, life insurance, stroke
Do you have restless leg syndrome (RLS)? If not, surely you know someone who does. Those of us with RLS tend to kind of whine about it (I may be projecting…). Now comes real reason to whine. Not only is RLS a pain in the rear, it appears to have some connection...
by Ed Hinerman | Dec 27, 2007 | diabetes, heart disease, high blood pressure, insurance, life insurance, obesity
The last time I played tennis I remember it being a significant workout. That was especially true because I was on the losing end of the game, meaning I ran twice as far and hard as the person who knew how to play. Bad news for those attempting to replace your daily...
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