by Ed Hinerman | Oct 15, 2009 | heart attack, high blood pressure, insurance, life insurance
Sometimes when I ask the medical questions that are part of the first interview with prospective life insurance clients I get the feeling that I should have gone through them twice, or three times. Each time I should say something like, “Now when I go through...
by Ed Hinerman | Sep 28, 2009 | gastric bypass, insurance, life insurance
We just wrapped up a life insurance application with a successful approval at a standard rate class, the best we could have hoped for even in the absence of the bypass history. We have been dog determined to point out through this forum that the social stigma and...
by Ed Hinerman | Sep 10, 2009 | bait and switch, insurance, life insurance
I called a client of mine the other day because not too long after I had done an annual review of his term life insurance coverage I received a notice that he had applied with another company and was considering replacing the policy he had through me. Now I really...
by Ed Hinerman | Aug 19, 2009 | insurance, life insurance, Sleep apnea
While we’ve been very successful in placing best rate class life insurance for those with mild to moderate sleep apnea, that shouldn’t be confused with a lack of risk with the disorder. The way to those best class rates starts with mild to moderate apnea,...
by Ed Hinerman | Aug 13, 2009 | A1c, diabetes, insurance, life insurance, Type 2 diabetes
I written several times about a major term life insurance company that took the unprecedented step of saying they would allow, in the absence of other risk factors, their preferred plus rate class for some people over 60 with type 2 diabetes. Their only other...
by Ed Hinerman | Aug 6, 2009 | cholesterol, high blood pressure, insurance, life insurance
I am beginning to believe that our little mountain town here in one of the healthiest states according to several studies, is home to a bunch of closet cholesterol snarfers. I know you don’t really snarf cholesterol, but I also know that if you do the typical...
by Ed Hinerman | Jul 27, 2009 | blood pressure, hypertension, insurance, life insurance
There’s nothing that will raise your blood pressure quite like finding out that you are going to have to pay more for your life insurance because you are treated for high blood pressure. Even when it’s well controlled almost all companies feel they need to...
by Ed Hinerman | Jul 1, 2009 | insurance, life insurance, smoking
I would be the last person in the world to say that habits are easy to change, especially bad, life long, ingrained habits. But no kidding, there are some cases I really can’t wrap my mind around. The one that caught my “you’ve got to be...
by Ed Hinerman | Jun 24, 2009 | Independent agent, insurance, life insurance
An ongoing discussion in this forum is the fact that for so many, the rates you end up paying for life insurance are higher than they need to be simply because you used the wrong agent who used the wrong company. I just want to review a few scenarios where, if your...
by Ed Hinerman | Jun 8, 2009 | A1c, diabetes, insurance, life insurance, Type 2 diabetes
Usually the first shot in the arsenal of ways to deal with type 2 diabetes is diet and exercise. The great thing if it works is that the diabetes can be controlled or beaten, a life style changed, and absolutely no negative side effects. The American Heart Association...
by Ed Hinerman | May 29, 2009 | diabetes, insurance, life insurance, Type 2 diabetes
American Heart Association twitter this morning, “80% of sudden cardiac arrest victims collapse at home. Are you ready to save someone you love?” It provided a link to a CPR website. This Twitter @HeartofDiabetes is all about education on the link between...
by Ed Hinerman | May 18, 2009 | asthma, blood pressure, diabetes, high blood pressure, hypertension, insurance, life insurance, mortality, mortality risk, obesity, stroke, Type 2 diabetes
Guilty as charged. I am one of those recovering saltaholics that grabs the salt shaker and tops off a meal before I’ve even taken a bite to see if it needs it. I love salt and although I am getting better about at least giving something a taste first, the truth...
by Ed Hinerman | May 14, 2009 | cholesterol, HDL, heart attack, high blood pressure, hypertension, insurance, life insurance, stroke
There are plenty of people that apply for life insurance and are sure they are going to get the best rate class available. In their mind they are even ahead of Superman because he has that disorder that has to do with Kryptonite. These people have never been sick,...
by Ed Hinerman | May 11, 2009 | bypass surgery, diabetes, gastric bypass, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, stroke, Type 2 diabetes
There was a time when I had a whole different view of obesity and gastric bypass. I think the majority of folks still look at the whole thing through somewhat jaded and certainly uneducated eyes. I will just be right up front and ask to be forgiven for the way I felt...
by Ed Hinerman | May 1, 2009 | blood pressure, cpap, heart disease, high blood pressure, insurance, life insurance, obesity, Sleep apnea, stroke
Sleep apnea is one of those health issues that can elicit anything from a best rate class approval to a decline depending on two things, which company’s underwriter was involved and if you are truly treating the issue seriously. A layman’s sleep apnea...
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