Ed Hinerman on Life insuranceEd Hinerman on Life insuranceEverything you need to know about life insurance Articles
The Snowball Effect!
2008-01-22 00:00:00 It seems with so many health issues that, unchecked, one leads to another that leads to another. I don’t mean to insinuate that you live, catch a cold and then you die, but the key word here is “unchecked”. In a post not too long ago one of the points was that the heavier you get ... More About: Effect
Did I Forget To Talk About Number One?
2008-01-22 00:00:00 In my passion to ensure that the world understands the risks of cancer, obesity and diabetes, I have often referred to heart disease, coronary artery disease, as a collateral health issue. What I have neglected to do is give the number one killer of men and women the singular emphasis it deserves. Although women consistently note ... More About: Talk , Number
How Many Remedies Are There For Bipolar?
2008-01-19 00:00:00 I don’t know if it’s because I’ve been blogging a lot on the subject, or dealing with life insurance underwriters and doing research, but bipolar seems to be popping up everywhere in my world. I hear the word more. I see more ads on TV for treatment options. I hear it being discussed on talk shows ... More About: Bipolar , Remedies
Depression, Rocky Mountain Style!
2008-01-19 00:00:00 Being a life long Rocky Mountain guy, if I were ever asked to describe depression in picture form, I would probably start with, “imagine you’re in the Northwest”… I’ve been here for a week and am suffering from lack of solar gain. I’m told that it’s something you get used to. The sun actually did come ... More About: Depression , Style , Rocky Mountain
Perceived Risk In Bipolar Doesn’t Always Match Reality!
2008-01-16 00:00:00 After studying several forums and reviewing insurance websites over the weekend, it seems the tendency to bulk all bipolar into one package is well, just easier, than dealing with the individual cases. The bad news is that the package everyone is bulked into is the one full of bad news and bad rates for life ... More About: Reality , Risk , Match , Bipolar
A Light At The End Of The Tunnel For Bipolar Women!
2008-01-12 00:00:00 Other than the fact that you can get good news about bipolar and life insurance from my blog most anyday, there aren’t a lot of folks spreading good news about bipolar. A recent University of Pittsburgh study has shed some light on the use of light boxes as a supplement to treatment for the depression side ... More About: Women , Light , Bipolar , Tunnel
Insulin Treatment For Type 2 Diabetes!
2008-01-12 00:00:00 I was just led to a website today that you should visit if you have type 1 diabetes or type 2 diabetes. Catchy URL! I got there by typing in www.a1c.org. Sure, It’s a link to an ad, but I’ve always been ok with advertisements if they also provide information that might just open some ... More About: Treatment , Diabetes , Type , In Treatment
If Life Insurance Was Free, Would You Take The Time Then?
2008-01-10 00:00:00 This is one fascinating world we live in. I see so many people that bend over backwards to make sure that no matter what happens, their family will not miss a financial beat. They recognize and care deeply about what would happen if they didn’t show up at the breakfast table tomorrow. On the other side ... More About: Life , Insurance , Time , Free , Life Insurance
Bipolar Life Insurance Underwriting!
2008-01-09 00:00:00 The cruxt of bipolar disorder is simply highs and lows. One day you’re up, sometimes very up and the next you might be down, sometimes very down. This is, from a simplistic view, a good description of a lot of life insurance underwriters. They will get all fired up and getting everyone excited to jump on ... More About: Life , Insurance , Life Insurance , Bipolar
Life Insurance Underwriting After You Quit Smoking!
2008-01-09 00:00:00 I’ve explained in plenty of detail how life insurance rates are effected by smoking. In general, a person who smokes will pay 2-3 times more than a non smoker in comparable health. There is just no question that underwriters believe that there is a significant mortality risk connected to smoking. But, what about when you quit? ... More About: Life , Insurance , Quit Smoking , Smoking , Life Insurance
Ahh, The Life Of A Mouse!
2008-01-08 00:00:00 It seems like there is a never ending stream of medical breakthroughs for mice. I suppose to balance my envy for the mice getting all the good things, what isn’t published is articles about the dumpsters full of failed attempts at making mice sick and then curing them. One of the latest mouse breakthroughs has to ... More About: Life , Mouse
Bipolar Plus Life Insurance Does Not Equal Decline!
2008-01-08 00:00:00 I share the frustration that people with well controlled bipolar disorder suffer when they run into the ignorant masses of life insurance agents who not only don’t understand the disorder, but don’t understand how to get it successfully underwritten at competitive prices. I had a call today from a gentleman who had been told by numerous ... More About: Life , Insurance , Life Insurance , Bipolar , Equal
Another Risk Factor Of Obesity!!
2008-01-06 00:00:00 Just when you think I have beaten the subject of obesity into submission and you are free to get on with life, another risk factor emerges. A recent study out of Vanderbilt points out that as weight goes up, seat belt use goes down and in case anyone hasn’t caught on yet, there seems to be ... More About: Obesity , Risk , Factor
Great News In Prostate Cancer Treatment!
2008-01-06 00:00:00 Prostate cancer treated in early stages has a high survival rate. Whether by radical prostectomy, radioactive seed implant or external beam radiation therapy, most treatments are succuessful if the cancer is caught early. More advanced or aggressive prostate cancer is a whole different story. Where the other scenario is all about beating the cancer, the only ... More About: News , Cancer , Great , Treatment , Cancer treatment
Pru Strikes Another Blow For Reality Underwriting!
2008-01-05 00:00:00 If you’ve been around life insurance long enough you begin to see that there are companies whose underwriting guidelines kind of float on the breeze and then there are those who truly do their homework and strive to make reasonable decisions. I have commented in previous posts about the shift that happened a few years ago ... More About: Reality
Wandering Breast Cancer Cells!
2008-01-04 00:00:00 We’ve often discussed that from a life insurance standpoint, breast cancer caught in the in situ stage, confined to a single milk duct, offers the best options for insurability post treatment. Early stage and grade lead to better rates, quicker. It has been thought that that DCIS is essentially stagnant, but if the tumor contains “motile” ... More About: Cancer , Breast Cancer , Breast , Wandering
Bipolar Disorder And Pregnancy!
2008-01-04 00:00:00 Well controlled bipolar disorder can run into double trouble when a woman with the disorder becomes pregnant. Tough choices need to be made by the patient and treating physician concerning the continued bipolar treatment into and through pregnancy. Often the decision is made to discontinue treatment through pregnancy to avoid any impact that the anti psychotics ... More About: Pregnancy , Bipolar , Bipolar Disorder
New Year’s Resolution? Take Care Of Business!
2008-01-03 00:00:00 All of you who have taken care of business and have life insurance in force, skip to my next post. You have done the right thing and are to be commended for being for being among the one third of adults who take their responsbilities seriously. As for the rest of you, what gives? Even for ... More About: Business , New Year , Care , Year , Resolution
2008. The Year To Take Care Of Your Life Insurance Needs!
2008-01-03 00:00:00 Now that we have all of the 2007 excuses out of your system, let’s get down to business. You have responsibilities and you should have life insurance. You all recognize that, so here’s what to do. Find a good independent insurance agent. Made that easy enough! See, this is going to be painless. 5-10 minutes on ... More About: Life , Insurance , Care , Life Insurance , Year
If I Don’t Finish This Blog, Tell My Wife RLS Did It!!
2008-01-03 00:00:00 Do you have restless leg syndrome (RLS)? If not, surely you know someone who does. Those of us with RLS tend to kind of whine about it (I may be projecting…). Now comes real reason to whine. Not only is RLS a pain in the rear, it appears to have some connection to an increased risk ... More About: Wife , Blog , Finish , Nish
Avoid Prostate Cancer With Whole Milk!
2008-01-03 00:00:00 Back when I was growing up I don’t think they had anything but whole milk. I only remember two kinds of milk when I was a kid….milk and sour milk. Somewhere along the way someone decided to create lower fat options of milk, so now you have your 1%, 2% and skim milk. I don’t drink ... More About: Cancer , Milk , Prostate Cancer , Avoid , Prostate
Winter Solstice And Mortality!
2007-12-30 00:00:00 I suppose it has something to do with age, but each year the journey toward winter solstice seems a little more daunting. As the days get shorter and my workday starts in the dark and ends in the dark, and I have to bundle up to survive the 45 second commute from my home to ... More About: Winter , Winter Solstice , Solstice , Mort
When A $10,000 Final Expense Policy Doesn’t Make Sense!
2007-12-30 00:00:00 When I sold my first final expense (burial) life insurance policy nearly 30 years ago, it had a face amount or death benefit of $7000. It was certainly, at that time, adequate to properly bury someone and even have a little left over to host a wake. I still get 10-20 requests every week from people ... More About: Sense , Policy , Final , Make
Compliance and Control Are The Keys To Good Life Insurance Rates!
2007-12-30 00:00:00 That could be true of any part of your life. The truth is that compliance with motor vehicle laws and controlling your urge to speed can help you avoid violations that can, in fact, impact your life insurance rates. But generally speaking, from a life insurance standpoint, compliance and control are referring to your management of ... More About: Life , Insurance , Life Insurance , Good , Control
Sleep Away Bipolar Disorder!
2007-12-29 00:00:00 Oh, if it was just that easy! Bipolar can be one of the toughest of mood disorders to get a handle on. Some are lucky enough to find the break in one medication. For some it can take several medications. One of the biggest challenges with bipolar disorder is finding the right combination of medication and ... More About: Sleep , Bipolar Disorder
You May Call Yourself A Geek, But Are You Really Smarter Than A Fifth Grade
2007-12-29 00:00:00 Technology has taken the life insurance business, and everything else, by the throat over the past several years, but for all the savvy geeks have when it comes to how the internet works, is there really any carry over from that intelligence to the basic knowledge it takes to, say, buy life insurance? If today’s self ... More About: Geek , Call
Investment Real Estate And Life Insurance!
2007-12-28 00:00:00 Investment or rental property is a great way to supplement your income and help solidify and diversify your retirement portfolio. The way you find the best investments is to find a professional real estate agent who puts your goals above everything else. Absent that commitment, you are dealing with someone who is probably thinking about their ... More About: Life , Estate , Insurance , Real Estate , Investment
Read My Lips! It’s Not About You!
2007-12-28 00:00:00 Guys, guys, guys, guys, guys! If we don’t pull it together soon, or cull out the stupid ones, women are going to start showing us what life insurance is really for. I swear not a week goes by that I don’t have a conversation with a husband in which they honestly don’t get the fact that ... More About: Read , Lips
Private Pilot Proficiency! What Is The Impact On Life Insurance?
2007-12-28 00:00:00 Private aviation, especially with the rising cost of fuel, has been hit hard in one of the areas that life insurance underwriters look at closely, proficiency. In this case proficiency really comes down to flying enough hours that each new flight isn’t liking waking up in a new world. So, what’s the big deal with ... More About: Life , Insurance , Life Insurance , Private , Pilot
Who Really Cares About Life Insurance Blogs?
More articles from this author:2007-12-27 00:00:00 I just did a quick gut check on my blogging efforts over the past year. Who really cares about what I believe and what I know about life insurance? Who reads this and really believes that I can do what I claim? I have had more than just a little interest in weblogs I’ve posted concerning ... More About: Life , Insurance , Blogs , Life Insurance , Ares 1, 2, 3, 4, 5, 6, 7 |
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