by Ed Hinerman | Sep 11, 2007 | cancer, heart attack, insurance, life insurance, prostate cancer, term insurance, universal life
We have been gutting term life insurance this week starting with a look at an actual policy. Being a contract as it is, there are plenty of definitions and clauses and options and such. So my previous posts didn’t get too hefty, I picked out a few items to...
by Ed Hinerman | Aug 31, 2007 | cancer, diabetes, insurance, life insurance, liver functions, prostate cancer, PSA
A question that comes up quite often when we discuss the examination part of a life insurance application is, just what is they are looking for? They are going to take blood and urine specimens so they must be on the hunt for something! I think the best way to answer...
by Ed Hinerman | Aug 30, 2007 | cancer, heart disease, Independent agent, insurance, life insurance, prostate cancer
I’ve often written about the fact that smoking generally increases life insurance rates by at least 100%, all else being equal. The average is really closer to 150% to 200%. Some companies are substantially higher than that. Life insurance underwriters...
by Ed Hinerman | Aug 27, 2007 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
I know when my father was undergoing radiation treatment for his bladder cancer, I was amazed at the computerized system they had for aiming the radiation exactly where they needed it. One of the down sides to the whole system is the fact that, inspite of the best...
by Ed Hinerman | Aug 24, 2007 | breast cancer, insurance, life insurance, prostate cancer
As I head off to a family reunion this weekend, thoughts of good times and plenty of food fill my head. It’s summer and of course BBQ will be the mainstay of our evening meals.Always the consummate life insurance agent, I had pegged the travel as our biggest...
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 15, 2007 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
There is no more critical component of life insurance underwriting of prostate cancer than the stage and grade. In the medical world it is often next to impossible to find a simple explanation of anything. I found an article today that explains the whole prostate...
by Ed Hinerman | Aug 15, 2007 | breast cancer, cancer, insurance, life insurance, prostate cancer, PSA
As older guys we are all familiar with the whole issue about prostate cancer. Our doctors like to check us annually just like our wives get annual pap smears or mammogram to rule out cervical or breast cancer. I’m sure women would say we are getting off easy...
by Ed Hinerman | Aug 5, 2007 | breast cancer, cancer, insurance, life insurance, prostate cancer, PSA
When it comes to life insurance underwriting of breast cancer, well really for any cancer, the earlier it is diagnosed the better the chances of getting good life insurance rates. But even better, it increases your chances of winning the battle. I’ve talked...
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 30, 2007 | cancer, Independent agent, insurance, life insurance, prostate cancer
I recently worked with a client who, seven years after his radical prostatectomy for prostate cancer, once again had a detectable and rising PSA. This news was discovered from the lab results on an insurance exam. While his PSA wasn’t high, in the absence of a...
by Ed Hinerman | Jul 30, 2007 | breast cancer, cancer, insurance, life insurance, prostate cancer
How often have I said it’s all about mortality? That is the bottom line for life insurance underwriters. The better the survivability of any health issue, the better the underwriting and subsequent life insurance rates. A recent Washington Post article provided...
by Ed Hinerman | Jul 20, 2007 | cigar smokers, Independent agent, insurance, life insurance, private pilots, prostate cancer, Sleep apnea, term insurance
My grandfather used to do that. He would smoke them and chew them and spit and……well, he had a nicotine habit. Use of nicotine with life insurance companies is a pretty clear cut issue. If you use it, you are in the same rate class as a cigarette smoker....
by Ed Hinerman | Jul 16, 2007 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
The very thought of trying to find life insurance for someone who has had prostate cancer would send 98% of life insurance agents screaming into the dark. Most would just tell you, without asking any questions, that you are uninsurable. About 80% of prostate cancer...
by Ed Hinerman | May 22, 2007 | breast cancer, cancer, insurance, life insurance, prostate cancer, PSA
Everyone seems to know someone who has been affected by breast cancer. While still a horrifying diagnosis, breast cancer is eminently more curable than 30 years ago and as early diagnosis and treatment success increases, affordable life insurance is becoming more and...
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