by Ed Hinerman | Apr 12, 2007 | breast cancer, cancer, diabetes, heart attack, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
You know, the life insurance business is like waking up in a different world every day. For an independent life insurance agent there is a constant flow of clients with various impairments. Not a day goes by when you aren’t working hard to find someone who has...
by Ed Hinerman | Apr 8, 2007 | cancer, cholesterol, diabetes, guaranteed issue life insurance, heart attack, high blood pressure, Independent agent, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes
One of the life insurance “urban legends” has to do with the large jump life insurance rates take when you turn 50, and again at 60, and well, let’s not even talk about 70. The truth is that while the cost per thousand of life insurance does in fact...
by Ed Hinerman | Apr 5, 2007 | cancer, coronary artery disease (CAD), epilepsy, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
If I were speaking to an auditorium full of people, a specially selected audience, all of whom had type 1 or type 2 diabetes, or epilepsy, and I asked for a show of hands for everyone who had tried to buy life insurance since their diagnosis, likely I would see a...
by Ed Hinerman | Apr 3, 2007 | cholesterol, coronary artery disease (CAD), epilepsy, Independent agent, insurance, life insurance, seizure disorder, Type 1 diabetes, Type 2 diabetes
If you told a life insurance agent that you have a seizure disorder or epilepsy, and have they told you are uninsurable without asking more questions, take them off your Christmas card list. They are, not unlike most of their fellow agents, ignorant of the disorder...
by Ed Hinerman | Mar 29, 2007 | coronary artery disease (CAD), hypertension, Independent agent, insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
Four tips for type 1 and type 2 diabetics who are looking for life insurance and don’t want to pay through the nose for it. 1. Learn about your diabetes. Be able to explain to an independent agent when it was diagnosed, exactly what your treatment is, and if...
by Ed Hinerman | Mar 20, 2007 | breast cancer, cancer, coronary artery disease (CAD), hepatitis, Independent agent, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, whole life
There is certainly no lack of unjustified respect for some of the biggest names in life insurance in the country. If you’ve seen their name on television or in magazines it kind of sticks with you and you probably, like most folks, assume that big and famous,...
by Ed Hinerman | Mar 17, 2007 | cancer, guaranteed issue life insurance, heart attack, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
Probably nothing rubs me the wrong way worse than an insurance agent who tells someone they are uninsurable just because they don’t represent a company that will make an offer on a particular health problem. Sometimes these agents don’t even understand the...
by Ed Hinerman | Mar 14, 2007 | cancer, coronary artery disease (CAD), hypertension, Independent agent, insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
Go figure how a website can make it to the top of Google under the search “Life insurance for diabetics” and be completely uninformative and actually misleading. They start off with statements like this, “Once a person is diagnosed with diabetes,...
by Ed Hinerman | Mar 3, 2007 | cancer, Independent agent, insurance, insurance quotes, life insurance, prostate cancer, term insurance, Type 1 diabetes, Type 2 diabetes
I was recently speaking to a woman in Arizona and she made the comment that her husband would really like to have term life insurance, but he had been told that he was uninsurable. Being the nosy kind of guy I am, and knowing that she is a nurse and would have good...
by Ed Hinerman | Feb 27, 2007 | hypertension, Independent agent, insurance, insurance quotes, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, whole life
Competitive life insurance quotes have long been elusive for people with type 1 or type 2 diabetes. Many life insurance companies are changing the way they view diabetes and recognizing that there is a substantial difference in the mortality experience between those...
by Ed Hinerman | Feb 27, 2007 | hypertension, Independent agent, insurance, insurance quotes, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, whole life
From a life insurance standpoint type 1 and type 2 diabetics used to be thrown in the same underwriting bucket as people who had coronary artery disease or even some types of cancer. Life insurance quotes coming from major companies these days would point to two good...
by Ed Hinerman | Feb 24, 2007 | insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
Type 1 diabetes, often call juvenile diabetes, has had a rough road with life insurance underwriters over the years. There has been a recent shift toward what is call “clinical underwriting” that has brought the type 1 diabetic issue into a fairer light....
by Ed Hinerman | Feb 21, 2007 | cholesterol, hypertension, Independent agent, insurance, insurance quotes, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, whole life
Let’s start with an analogy. Suppose you have just made a decision that it is time to buy a car and that, like me, you live in a thriving metropolis of 6000 people. There are two car dealerships, neither of whom have anything close to a large selection, and...
by Ed Hinerman | Feb 21, 2007 | cholesterol, hypertension, Independent agent, insurance, insurance quotes, life insurance, liver functions, Type 1 diabetes, Type 2 diabetes
I don’t think I would be overstating the subject at all if I said that at least once a week I have a client who, for the first time, discovers they have a health issue because the life insurance exam lab results bring it to light. Some of the most frequent...
by Ed Hinerman | Feb 19, 2007 | hypertension, Independent agent, insurance, insurance quotes, life insurance, Type 1 diabetes, Type 2 diabetes
Because of all of the health risks associated with poorly controlled type 1 diabetes and type 2 diabetes, life insurance underwriters take a cautious approach. What the underwriters are looking for can be summed up in three words. Control! Control! Control! While the...
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