Ed Hinerman on Life insuranceEd Hinerman on Life insuranceEverything you need to know about life insurance Articles
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
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
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
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
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
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
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
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
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
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
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
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
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
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 ...
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
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 ...
Well, I’ve Got Good News And I’ve Got Other Good News!
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
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
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
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
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
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
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!
More articles from this author: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 1, 2, 3, 4, 5, 6, 7 |
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