By Ed Hinerman on January 21, 2011
Every year or two I like to share with you about the cost of procrastinating, foot dragging, not pulling the trigger……..putting off buying the life insurance that you know you should have. LIMRA says that there are about 35 million adults in our country who admit that they believe they should be carrying life insurance, ...read more
Posted in insurance, life insurance, stroke | Tagged age change, cancer, car accident, cost of waiting, diabetes, family protection, health change, insurance, life insurance, retirement options, stroke, term insurance
By Ed Hinerman on July 2, 2009
No one loves a good value better than me. I don’t take lightly buying almost anything and I really don’t take lightly committing myself to making payments for something like life insurance. Having said that, there is a problem when people want to suck the marrow out of the shopping experience, making sure that every ...read more
Posted in insurance, life insurance, stroke | Tagged insurance, life insurance, retirement options, stroke, universal life
By Ed Hinerman on May 18, 2009
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 is, well, I’m still ...read more
Posted in asthma, blood pressure, diabetes, high blood pressure, hypertension, insurance, life insurance, mortality, mortality risk, obesity, stroke, Type 2 diabetes | Tagged asthma, blood pressure, diabetes, high blood pressure, hypertension, insurance, life insurance, mortality, mortality risk, obesity, stroke, Type 2 diabetes
By Ed Hinerman on May 14, 2009
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, only see a doctor when their ...read more
Posted in cholesterol, HDL, heart attack, high blood pressure, hypertension, insurance, life insurance, stroke | Tagged blood pressure, cholesterol, HDL, heart attack, high blood pressure, hypertension, insurance, life insurance, stroke
By Ed Hinerman on May 11, 2009
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 about the issue. ...read more
Posted in bypass surgery, diabetes, gastric bypass, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, stroke, Type 2 diabetes | Tagged bypass surgery, diabetes, gastric bypass, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, stroke, Type 2 diabetes
By Ed Hinerman on May 4, 2009
When I do an on the phone interview with a potential life insurance client I ask a series of medical questions that help me to decide the appropriate rate classification to quote. Part of the application process, whether it is done with your agent or with the examiner is called Part 2 of the application. ...read more
Posted in Banner Life, breast cancer, cancer, diabetes, family history, heart disease, Independent agent, insurance, life insurance, stroke | Tagged Banner Life, breast cancer, cancer, diabetes, family history, heart disease, Independent agent, insurance, life insurance, stroke, Uncategorized
By Ed Hinerman on May 1, 2009
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 definition might give the wrong impression of why underwriters are concerned. Apnea ...read more
Posted in blood pressure, cpap, heart disease, high blood pressure, insurance, life insurance, obesity, Sleep apnea, stroke | Tagged blood pressure, cpap, heart disease, high blood pressure, insurance, life insurance, obesity, Sleep apnea, stroke
By Ed Hinerman on March 18, 2009
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 with a shared meal, a key word salad. Diabetes ...read more
Posted in 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 | Tagged A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, economic meltdown, foreign travel, gastric bypass, gay, 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, recession, scuba diving, Selectquote, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
By Ed Hinerman on March 16, 2009
With the percentage of Hispanics in the US being almost double what it is for Anglo Americans, the challenge of finding affordable life insurance to ensure the family heritage and legacy needs to be more focused than ever. In most cases diabetes is ultimately insurable. Latino statistics aside, it still comes down to the same ...read more
Posted in A1c, blood pressure, cancer, cholesterol, diabetes, gastric bypass, heart disease, high blood pressure, insurance, life insurance, obesity, stroke, Type 1 diabetes, Type 2 diabetes | Tagged A1c, blood pressure, cancer, cholesterol, diabetes, gastric bypass, heart disease, high blood pressure, Hispanic, insurance, Latino, legacy, life insurance, obesity, stroke, Type 1 diabetes, Type 2 diabetes |
By Ed Hinerman on March 13, 2009
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 prescribed. If you’re prescribed medication for blood pressure to be taken twice a day, take it ...read more
Posted in blood pressure, cholesterol, COPD, decline, diabetes, gastric bypass, heart attack, high blood pressure, insurance, life insurance, obesity, smoking, stroke | Tagged blood pressure, cholesterol, COPD, decline, diabetes, gastric bypass, heart attack, high blood pressure, insurance, life insurance, obesity, smoking, stroke
