Ed Hinerman on Life insuranceEd Hinerman on Life insuranceEverything you need to know about life insurance Articles
Hold On Partner! Step Back From My Blood Sugar!
2008-02-08 00:00:00 Well, just when life insurance underwriters and doctors think they’re on the same page, and they believe it’s the right page, someone kicks the door down and throws a wrench in their thinking. In search of a way to control diabetes, and specifically type 2 diabetes, the goal has alway been lower glucose levels. The American ... More About: Sugar , Partner , Back , Blood , Step
Good News! It May Be Cheaper To Be Obese!
2008-02-06 00:00:00 Well, I’ve got your good news and your bad news. You know how I’ve gone on and on about all of the collateral health issues attributable to obesity. Now there is a study that indicates that people who are obese may in fact have lower health care costs than people of normal weight. That’s the good ... More About: News , Good News , Good , Obese
Take A Deep Breath! Exhale! Now, Think Happy Thoughts!
2008-02-06 00:00:00 There are times when I wonder how any one in this world can live without have some degree of anxiety. I know I was just a kid back, but I don’t remember the 50’s and 60’s, or for that matter the 70’s being overly stressful. Then came the 80’s with high interest, AIDS, and a host ... More About: Thoughts , Happy , Deep , Breath , Hale
If (Whole) Life Was Just That Simple!
2008-02-05 00:00:00 There are two distinctively different schools of thought on how to provide life insurance for your family. One shcool of thought would have you load your policy with cash value on the premise that the cash value can be a savings or retirement account. Whole Life . The other school of thought would have you insure ... More About: Simple
Bipolar Treatment Not A Bad Idea For All Of Us!
2008-02-04 00:00:00 I read a list of lifestyle choices today that, if most of us instituted them in our lives, would probably make positive changes. Oddly enough, the list came from Bipolar .com, an excellent site for those with bipolar or those living with someone who has bipolar disorder. Balance and stability, as I’ve mentioned in several posts, are ... More About: Treatment , Idea
Put A Political Spin On This One!
2008-02-03 00:00:00 With all the political spin put on health care and how to handle all of those who are uninsured or under insured, maybe, just maybe, the emphasis ought to be on education and prevention as much as or even more than treatment. A study just released shows that type 2 diabetes is exacting a heavy toll, ... More About: Political , Spin
Take That Aspirin Before The Super Bowl!
2008-02-03 00:00:00 No. I’m not suggesting that a pre game aspirin will ward off a post game hangover. I’m afraid that those prone to toast every down and play will have to deal with the consequences post game. There may be good reason to do some pre-game heart attack prevention though. It seems that the “big game”, whether ... More About: Super Bowl , Super , Aspirin , Bowl , The Super
Bipolar Seeking Good Life Insurance Rates?
2008-02-03 00:00:00 The deeper I get involved with the life insurance possibilities for people with bipolar disorder, the more I am convinced that it has not been an intentionally abused block of clients as much as it has been and understudied and overlooked group. When I was first approached about bipolar underwriting it was from a person who ... More About: Life , Insurance , Life Insurance , Bipolar , Good
Let’s Use A Little Common Sense!
2008-02-02 00:00:00 While I generally agree with most family history guidelines that life insurance underwriters use, there are times when common sense simply has to override the guidelines. After all, they are called underwriting guidelines, not rules. I’ve had to defend family history underwriting on plenty of cases. Probably the biggest bone of contention is when a parent ... More About: Sense , Common , Common Sense
High Blood Pressure And Smoking!
2008-02-01 00:00:00 Smoking is often touted by those who partake as a way to calm themselves. Of course, from a life insurance standpoint, calm or not, smoking carries so much health baggage with it that rates for smokers are dramatically higher than non smokers. A recent study suggests that the feeling of calmness may be deceiving as women ... More About: Smoking , Blood , High , High Blood Pressure , Blood pressure
Don’t Talk To Me About This Before I’ve Had My Coffee!!
2008-02-01 00:00:00 Ahh, my morning cup of coffee! And the second one. Now we’re talking….maybe a bit too fast, but we are definitely talking. It’s fun to watch the cudos and cabashes that coffee takes. It’s a rare month that goes by when coffee isn’t credited for or blamed for something. Most recently coffee has been lumped in ... More About: Coffee , Talk
And The Answer Is……
2008-01-30 00:00:00 What do the people in the following list have in common? Ernest Hemingway, Mark Twain, Herman Melville, Hans Christian Anderson, Dick Cavett, Kitty Dukakis, Ted Turner, Jonathan Winters, Emily Dickinson, T.S. Eliot, Walt Whitman, Edgar Allan Poe, Connie Francis and Charlie Pride. The most obvious thing is that they are all famous and extremely accomplished in their ... More About: Answer
Whole Life Insurance. The Answer To Everything!!
2008-01-30 00:00:00 You guessed it. I got another trade magazine with an article suggesting that whole life is the only type of life insurance a person should buy. If you don’t buy whole life as the article suggests, you just don’t get it. I have access to whatever life insurance products are available each time I counsel a ... More About: Life , Insurance , Answer , Life Insurance
Interesting Take On Whole Life Insurance!
2008-01-29 00:00:00 My wife and I are participating in the Dave Ramsey Financial Peace University. I have to admit that for all that I have been blessed with, great financial management skills have not been part of the package. Dave Ramsey is a no nonsense kind of guy when it comes to getting your financial life together. ... More About: Life , Interesting , Insurance , Life Insurance
Is It Sleep Apnea, Or Depression, Or Does One Cause The Other?
2008-01-29 00:00:00 Fatigue, lack of concentration and irritability. All classic symptoms of depression. Also, all classic symptoms of sleep apnea. In a New York Times article “Remedy for Sleep Apnea May Lift Depression ’s Veil”, the similarity and ways to peel away the layers to a final diagnosis are discussed. It appears this situation is a cause for mis-diagnosis ... More About: Sleep Apnea
Well, Now We Know How They Really Feel!
2008-01-29 00:00:00 In a post a few days ago concerning the practice of “watchful waiting” that is used in low stage, low grade prostate cancer, I offered to poll several life insurance companies to see how they felt about the practice from a life insurance risk standpoint. The question really comes down to this. Is watchful waiting a ... More About: Feel
Bipolar Needs To Meet Same Underwriting Criteria as Diabetes!
2008-01-29 00:00:00 With my 2007 reward for Redundiferous Excellence safely tucked away on my office shelf, I am, like Tiger Woods and the Fedex Cup, shooting for two in a row. I hope that I have left no chance unturned to drive home the point that life insurance underwriters want to see compliance with treatment and control ... More About: Meet , Diabetes , Bipolar , Criteria
More Weight Given To Watch And Wait In Prostate Cancer!
2008-01-27 00:00:00 One of the treatment options with older men and younger men with slow growing prostate cancer has always been “watchful waiting”. The premise with older men is that very often the treatment is unnecessary as the cancer never advances far enough to cause discomfort or be the cause of death. With younger men, already knowing ... More About: Watch , Weight , Cancer , Prostate Cancer , Prostate
The Cost Of War?
2008-01-25 00:00:00 It’s an election year and in case you haven’t heard what we’ve spent on the war on terror, or in Afghanistan, or in Iraq, just turn on the evening news and I assure you that you will catch a sound bite from someone talking about all that money. Billions. Lots of billions. Hundreds of billions. ... More About: Cost
Just Kidding!
2008-01-25 00:00:00 I’m not sure why I woke up this morning wondering if there are bipolar jokes, but I did. I’ve always been a fan of the “top 10 reasons” type of humor. Probably a spin off from enjoying Jeff Foxworthy. Tucked away on a site that offered bipolar Christmas carols, I found the following: Top Ten Reasons that ... More About: Kidding
Sick And Tired Of Being Obese And Diabetic?
2008-01-24 00:00:00 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 many clients over the years who have lost ... More About: Sick , Diabetic , Tired , Obese , Tire
Worth Consideration!
2008-01-24 00:00:00 There are essentially three treatment methods for blocked arteries of the type that can lead to a heart attack. The original and still widely used vessel bypass surgery, angioplasty with a stent inserted in the vessel, and for minor blockage, medication to reduce the risk of increased blockage. A recent New England Journal of Medicine study ... More About: Worth
A High School Project!
2008-01-24 00:00:00 I was asked a few days ago to be interviewed, as a high school assignment, on the subject of obesity and insurance rates. The core question was concerning the fairness of charging higher rates for someone who is overweight. Rebecca Kuo, a student from Houston, TX was the interviewer. Her questions and my thoughts follow. Alright, ... More About: Project , School , High School , High
Women And Heart Disease! Keep Tabs On It!
2008-01-23 00:00:00 In a post yesterday we talked about stress related heart issues in women. Heart attacks just simply are not that rare in women and more should be done to be proactive about it. Lifestyle changes and regular checkups should be at the top of the list. I ran across a site today that is all about ... More About: Women , Tabs , Disease , Heart Disease
Life After People! People After Life!
2008-01-23 00:00:00 I was watching a program last night on the History channel called Life After People . The premise was that some event, such as a pandemic, would occur that would finish off all the people but leave the plants and animals intact. With people out of the way, animal, plant and fish life would make a ...
No Surprise! New Risk Factor In Heart Attacks, Your Doctor!
2008-01-23 00:00:00 I have gone on before about how your doctors lack of attempt to educate patients on their health conditions such as diabetes and heart disease has led to poor treatment compliance and often has led to complications or collateral health issues that could have been avoided. It is critical that patients don’t just receive treatment, ... More About: Heart , Risk , Doctor , Attacks , Factor
Have You Ever??
2008-01-22 00:00:00 If you have ever had the pleasure of spending a few minutes with me on a health interview, you might think I’m being just a bit too nosy. Not that I ask a lot of questions and I assure you that none of the questions go outside the scope of life insurance relevance, but I ...
A Quick Glimpse At Cholesterol Underwriting!
2008-01-22 00:00:00 If we have established anything over the past 500+ posts in this blog, it’s that no two life insurance companies underwrite exactly the same. Cholesterol and cholesterol ratios (total/hdl) are carefully viewed in the labwork done for life insurance. Because of the perceived risk of high cholesterol and/or low hdl, benchmarks are set whereby the ... More About: Quick , Glimpse
A Little Bipolar Myth Busting!
2008-01-22 00:00:00 I have emailed an article I read today to all of the underwriters I work with. While many are on board with the idea that all bipolar is created equal and that all bipolar should be declined life insurance, there are still some hanging on to their worst fears like a security blanket. This well written ... More About: Bipolar , Myth
Well, I’ve Got Good News And I’ve Got Other Good News!
More articles from this author:2008-01-22 00:00:00 Well, Mr Doom and Gloom here. I’ve often talked about the good news for people with diabetes that need life insurance, generally layered thickly with a reminder of all the reasons you should carefully monitor and treat your diabetes for your own good reasons. Today the news brings a couple of good news jewels for those ... More About: News , Good News , Good 1, 2, 3, 4, 5, 6, 7 |
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