by Ed Hinerman | Apr 9, 2009 | Banner Life, blood pressure, bypass surgery, cancer, cholesterol, diabetes, gastric bypass, heart disease, insurance, life insurance, obesity, Prudential
Let’s don’t mince words on this subject. If someone is 40% overweight they are twice as likely to die prematurely than someone of average build. It’s not the fat that kills you, but the strain that all that extra weight puts on your body making you a...
by Ed Hinerman | Mar 30, 2009 | bypass surgery, diabetes, gastric bypass, Independent agent, insurance, life insurance, obesity, Type 2 diabetes
I recently had a person email to tell me they had been declined for life insurance because they had a successful gastric bypass surgery three years ago. They wondered if, since this had come at the hands of a reputable company, they were just saddled with the fact...
by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
by Ed Hinerman | Mar 13, 2009 | blood pressure, cholesterol, COPD, decline, diabetes, gastric bypass, heart attack, high blood pressure, insurance, life insurance, obesity, smoking, stroke
One of the key life insurance underwriting factors for just about any health or mental health issue is compliance with treatment and avoidance of other risk factors and collateral health issues. Compliance is taking medication prescribed exactly as it’s...
by Ed Hinerman | Feb 5, 2009 | blood pressure, cancer, diabetes, gastric bypass, heart disease, high blood pressure, Independent agent, insurance, life insurance, obesity, Sleep apnea, stroke
Talk about a sensitive issue. The truth is that being overweight isn’t an easy thing to be and it isn’t an easy thing to talk about, and when you are told your life insurance will cost more because of it, it feels like a slap in the face. Having said that,...
by Ed Hinerman | Sep 9, 2008 | blood pressure, cancer, diabetes, gastric bypass, heart disease, high blood pressure, insurance, life insurance, liver functions, obesity, stroke
Remember the good old days when livers were done in by drinking too much? Cirrhosis of the liver can eventually lead to liver failure or liver cancer, kind of a no win situation unless you have a spare hidden in the closet. Now studies show that obesity can lead to a...
by Ed Hinerman | Aug 16, 2008 | diabetes, gastric bypass, heart disease, insurance, life insurance, obesity, Type 2 diabetes
In previous posts I have touched on studies that have shown that the dramatic weight loss provided by gastric bypass surgery has proven to have much more value than just a matter of convenience in losing weight. With the primary risk factor for type 2 diabetes being...
by Ed Hinerman | Jun 23, 2008 | bypass surgery, cancer, diabetes, gastric bypass, heart attack, heart disease, insurance, life insurance, obesity
There is a real tendency in our society to brand the morbidly obese as taking the easy way out of the problem they’ve created by considering gastric bypass surgery. Gastric bypass reduces the size of the stomach by stapling off the majority. This causes massive...
by Ed Hinerman | Apr 26, 2008 | gastric bypass, insurance, life insurance, obesity
The idea of gastric bypass surgery has often come in our forum when talking about the impact that obesity has on health and life insurance rates. The truth is that morbid obesity is so very hard on just about every part of a person’s health, that it just...
by Ed Hinerman | Apr 21, 2008 | cancer, diabetes, gastric bypass, heart disease, insurance, life insurance, obesity, Sleep apnea, Type 2 diabetes
I watched a program on 60 minutes last night that reviewed the impact of gastric bypass surgery not just on obesity, but on all of the other risk factors that a person takes on when they are overweight. The results weren’t surprising, but rather affirming based...
by Ed Hinerman | Feb 13, 2008 | gastric bypass, insurance, life insurance, obesity
OK! Most of us only feel like the fattest person in the world occasionally. And we whine when diet and exercise aren’t producing the results we really want, but are we trying hard enough? There is no arguing that obesity is a problem, but this guy takes the cake...
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 | Dec 21, 2007 | gastric bypass, heart disease, insurance, life insurance, obesity
Bariatric surgery, such as gastric bypass, has usually been reserved for people who would qualify based on body mass index as morbidly obese. A body mass index of 40 or more qualifies as morbidly obese. Newer thinking is leaning toward broadening the criteria. While a...
by Ed Hinerman | Dec 18, 2007 | diabetes, gastric bypass, heart disease, insurance, life insurance, obesity
There are times when diet and exercise just never seem to accomplish what’s needed. There are times when morbid obesity becomes life threatening and a radical approach to control the situation is needed. Bariatric surgery, mostly commonly gastric bypass or lap...
by Ed Hinerman | Oct 18, 2007 | gastric bypass, insurance, life insurance, obesity, term insurance
Obesity is at epidemic levels in the US. In the past 20 years the trend toward obesity has been dramatic to the point where there are now only 4 states, Hawaii, Colorado, Massachusetts and Rhode Island, where less than 20% of the population has a body mass index of...
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