by Ed Hinerman | May 8, 2009 | breast cancer, cancer, Independent agent, insurance, life insurance
My wife and I are off to spend the weekend with my mom in Wyoming. For the first time this spring it appears there won’t be a major winter storm in between us. Happy Mothers Day! It is my mom’s own fight with breast cancer that has renewed my optimism for...
by Ed Hinerman | May 4, 2009 | Banner Life, breast cancer, cancer, diabetes, family history, heart disease, Independent agent, insurance, life insurance, stroke
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...
by Ed Hinerman | May 2, 2009 | breast cancer, cancer, decline, insurance, life insurance, term insurance, universal life
It occurred to me after seeing a clip of Napoleon Dynamite on David Letterman that, given good health, even he could qualify for the best rates available for life insurance. Fortunately for us all, being the best looking or the most successful isn’t found on a...
by Ed Hinerman | Apr 15, 2009 | bipolar, bipolar disorder, breast cancer, cancer, coronary artery disease (CAD), decline, Depression, Independent agent, insurance, life insurance, obesity, Sleep apnea
I’ve certainly questioned the IQ of more than one life insurance underwriter over the years. I may have even insinuated that a few didn’t even make into on to the IQ scale. But the truth is there are two types of underwriters working on life insurance...
by Ed Hinerman | Apr 2, 2009 | breast cancer, cancer, Independent agent, insurance, life insurance, prostate cancer
Not a week goes by that I don’t talk to someone with a history of cancer. They would like to have life insurance, just like anyone, but insurance quotes take a bit more leg work. It’s often a stretch and often means going back to doctors and asking for the...
by Ed Hinerman | Mar 22, 2009 | bipolar, bipolar disorder, breast cancer, cancer, Depression, diabetes, heart attack, insurance, life insurance, prostate cancer
I am 56 and I can tell you honestly that 3 years ago I had never read a blog, didn’t know what it was or what it was for. I just knew that for my business to grow, for us to reach more and more people blocked out of life insurance for the same old reasons by the...
by Ed Hinerman | Mar 19, 2009 | breast cancer, cancer, insurance, life insurance
Breast cancer has been a source of ongoing discussion and some great victories over the past five years in life insurance. Earlier detection and advanced treatment has helped underwriters take a more aggressive stance and provide better offers than ever before. Having...
by Ed Hinerman | Feb 27, 2009 | breast cancer, cancer, insurance, life insurance
One of the great things from a life insurance standpoint in regards to early stage breast cancer, due to the very high survival rate, is that life insurance can often be purchased not too long after the cancer therapy is complete at as good as standard rates. Probably...
by Ed Hinerman | Dec 29, 2008 | blood pressure, breast cancer, cancer, cholesterol, diabetes, obesity, Type 2 diabetes
In reviewing my last post concerning some of the changes in underwriting of life insurance that occurred in 2008, I found some parallels between that and some of the most significant medical breakthroughs of the year. Could it be that underwriters are doing their...
by Ed Hinerman | Oct 16, 2008 | breast cancer, cancer, Independent agent, life insurance, prayer
As many of you have so graciously tolerated my use of my Mom’s breast cancer to discuss the life insurance take on the subject, you may remember that prior to Mom, there was Dad and his stage 4 bladder cancer. About a year and a half ago Dad was given a few...
by Ed Hinerman | Oct 1, 2008 | blood pressure, breast cancer, cancer, cigar smokers, insurance, life insurance
Preventive medicine has been around for a long time. In most cases that takes the shape of being on medication for borderline cholesterol or blood pressure issues. In some cases where women have a better than average chance of having breast cancer, radical mastectomy...
by Ed Hinerman | Sep 25, 2008 | blood pressure, breast cancer, cancer, high blood pressure, insurance, life insurance
Our family is going through an issue that, after some thought, I’ve decided is worthy of discussion in the context of life insurance. Like the breast cancer I’ve discussed that my mother is just completing treatment on, while I’ll use my parents as...
by Ed Hinerman | Sep 18, 2008 | breast cancer, cancer, insurance, life insurance
In a post yesterday I mentioned that the course of treatment for breast cancer that my mother is just completing included six weeks of radiation therapy. My dad forwarded an article to me today from the clinic where she is being treated that talks about a more...
by Ed Hinerman | Sep 17, 2008 | breast cancer, cancer, Independent agent, insurance, life insurance
I haven’t talked for a while about my mother’s progress in fighting the breast cancer she was diagnosed with about 3 months ago. Kind of a disclaimer concerning this is that while I am using my mother as an example of how the different aspects of breast...
by Ed Hinerman | Aug 13, 2008 | breast cancer, cancer, insurance, life insurance
It’s been a few weeks, but I wanted to bring an update on my Mom’s breast cancer process. As I’ve mentioned before, this isn’t really about my Mom, as she is past her life insurance buying days, but rather about the process and how her scenario...
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