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By Ed Hinerman on October 31, 2012
A few years back I fought a bloody battle with an underwriter from ING over what today still stands as the most illogical piece of underwriting I have ever run in to. Not that the two events are in any way related, but I won the battle and then watched company after company change their ...read more
Posted in blood pressure, cholesterol, HDL, high blood pressure, insurance, life insurance | Tagged blood pressure, cholesterol, cholesterol/hdl ratio, customer service, equal mortality risk, HDL, high blood pressure, hypertension, insurance, life insurance, medical knowledge, medically sound clinical underwriting, paying higher rate class, rated preferred or worse treated blood pressure, rated preferred or worse treated cholesterol, treated blood pressure, treated cholesterol, well controlled lipids
By Ed Hinerman on May 25, 2010
I had a screening not too long ago of my carotid artery for any blockage. They also checked the aorta for any sign of aortic aneurysms, and my blood pressure was measured on both arms and both legs to check for any indication of peripheral vascular disease or hypertension. This was a free checkup provided ...read more
Posted in blood pressure, high blood pressure, hypertension, insurance, life insurance | Tagged blood pressure, carotid artery, heart attack, high blood pressure, hypertension, insurance, kidney disease, life insurance, peripheral vascular disease, silent killer, stroke
By Ed Hinerman on July 27, 2009
There’s nothing that will raise your blood pressure quite like finding out that you are going to have to pay more for your life insurance because you are treated for high blood pressure. Even when it’s well controlled almost all companies feel they need to bump you down one rate class, almost a 30% increase ...read more
Posted in blood pressure, hypertension, insurance, life insurance | Tagged Banner Life, best rate class, blood pressure, blood pressure treatment, high blood pressure, hypertension, Independent agent, insurance, life insurance, Minnesota Life, treated hypertension
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 March 23, 2009
I knew a guy who made cabinets for a living. He bid jobs through local contractors and directly to homeowners and I could never figure out how he arrived at the prices he presented. There didn’t seem to be a lot of equity between one quote and the next. Now I know there are differences ...read more
Posted in blood pressure, diabetes, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, smoking | Tagged blood pressure, diabetes, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, smoking
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 10, 2009
There are probably more than five 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, but let’s take a quick look at the most important. 1. Educate yourself about your diabetes. Understand and be able to explain to an independent ...read more
Posted in A1c, blood pressure, coronary artery disease (CAD), diabetes, heart disease, hypertension, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes | Tagged A1c, blood pressure, coronary artery disease (CAD), diabetes, heart disease, hypertension, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
By Ed Hinerman on December 14, 2008
Today would be no exception to my rule that men really don’t see a world that has consequences until they are old enough that they see the consequences happening to others their own age, or even to themselves. I spent part of yesterday evening in the emergency room with my nephew who had finally conceded ...read more
Posted in blood pressure, diabetes, heart attack, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, stroke, Type 2 diabetes | Tagged blood pressure, BMI, Build, diabetes, heart attack, heart disease, high blood pressure, hypertension, insurance, life insurance, obesity, stroke, Type 2 diabetes
