by Ed Hinerman | Oct 30, 2008 | cholesterol, diabetes, heart attack, insurance, life insurance, PSA, term insurance
But declines happen. I’ve put together a list of the top reasons that applicants are denied coverage. We’ll start out with the first two which were covered in a post yesterday. 1. Your agent did a sloppy job. Sometimes agents slip into a habit of not...
by Ed Hinerman | Aug 6, 2008 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
Assuming survival, which is a pretty good bet with prostate cancer, a life insurance underwriter uses a set of criteria to evaluate the mortality risk of any given cancer survivor. It is this assessed risk that is translated into a rate per thousand dollars worth of...
by Ed Hinerman | Aug 4, 2008 | cancer, cholesterol, diabetes, insurance, life insurance, prostate cancer, PSA
Guys, we’ve talked about this before, an area where women don’t even have to struggle at all to make us look like morons. Unfortunately far too many men find out the value of an annual physical, a regular checkup, when they discover that they have a...
by Ed Hinerman | Jun 20, 2008 | cancer, Independent agent, insurance, life insurance, prostate cancer, PSA
Because of the exceptionally high success rate in treatment of prostate cancer, it stands out as ultimately one of the most insurable cancer histories from a life insurance underwriting view. Prostate cancer is the second most commonly diagnosed cancer among men, but...
by Ed Hinerman | May 23, 2008 | basal cell carcinoma, cancer, Independent agent, insurance, life insurance, melanoma, prostate cancer, PSA
Guys! The boogie man isn’t under the bed, but rather right below our belly buttons, just about a finger’s length up our rear ends. I’m talking about the prostate gland and the fact that 1 in 6 men will get prostate cancer in their life time. Prostate...
by Ed Hinerman | May 12, 2008 | cholesterol, diabetes, insurance, life insurance, PSA
I have often suggested going to local health fairs as a prudent step for those who either can’t afford a physical with a blood workup or, like so many, can’t seem to find the time in their busy lives to sit in a doctor’s office for an hour past the...
by Ed Hinerman | Apr 22, 2008 | cancer, insurance, life insurance, prostate cancer, PSA
I caught the title of an article on prostate cancer out of the corner of my eye today and immediately drew the wrong conclusion. The article, “Exercise may lead to faster prostate tumor growth” drew an immediate reaction from me since I exercise daily. I...
by Ed Hinerman | Apr 13, 2008 | cancer, cholesterol, heart disease, insurance, life insurance, PSA
I have often written about the surprises that come with life insurance exam results, from the fairly benign slight elevations in cholesterol to the alarming large elevations in PSA results. The surprise should really come as no surprise because the person who gets...
by Ed Hinerman | Mar 12, 2008 | cancer, insurance, life insurance, prostate cancer, PSA
The PSA, prostate specific antigen, test has been the standard for decades for determining the chances of a man having prostate cancer and the need for further diagnostic testing through a needle biopsy. The problem that has become apparent in the medical and life...
by Ed Hinerman | Feb 29, 2008 | cancer, insurance, life insurance, prostate cancer, PSA
I’ve been told that all guys will get prostate cancer to some degree if they live to a moderately old age. The good news that, for many, it will have little or no impact on their lives or their mortality. Prostate cancer that is slow growing, that is to say a...
by Ed Hinerman | Feb 9, 2008 | Independent agent, insurance, life insurance, prostate cancer, PSA
I was visiting with a person Friday about his experience applying for life insurance through a “mega agency”. He applied last August and ran into an issue with an elevated PSA on his labs. The company postponed the application until he had a...
by Ed Hinerman | Jan 29, 2008 | cancer, cholesterol, high blood pressure, insurance, life insurance, prostate cancer, PSA
In a post a few days ago concerning the practice of “watchful waiting” that is used in low stage, low grade prostate cancer, I offered to poll several life insurance companies to see how they felt about the practice from a life insurance risk standpoint....
by Ed Hinerman | Dec 6, 2007 | cancer, insurance, life insurance, prostate cancer, PSA
With localized prostate cancer the treatments of choice have generally been radioactive beam, radiactive seed or prostatectomy. All are very effective in stopping a low stage cancer. Effectiveness comes with side effects though. Incontinence and impotency are the most...
by Ed Hinerman | Dec 3, 2007 | cancer, insurance, life insurance, prostate cancer, PSA
PSA (Prostate Specific Antigen) tests have long been the standard test for determining BPH (enlarged prostate), Prostatitis (infection of the prostate) and prostate cancer. There are two events that are watched for. The event that far too many people experience is...
by Ed Hinerman | Nov 28, 2007 | cancer, insurance, life insurance, prostate cancer, PSA
The Prostate Cancer Foundation has an annual scientific retreat where the top research scientists get together and review and summarize the major breakthroughs of the year. The Foundation provided a summary this week that, thank you, offered the summaries in language...
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