Ed Hinerman on Life insuranceEd Hinerman on Life insuranceEverything you need to know about life insurance Articles
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
Who Really Cares About Life Insurance Blogs?
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
Bummer! Tennis Doesn’t Count As Exercise!
2007-12-27 00:00:00 The last time I played tennis I remember it being a significant workout. That was especially true because I was on the losing end of the game, meaning I ran twice as far and hard as the person who knew how to play. Bad news for those attempting to replace your daily recommended exercise with ... More About: Tennis , Exercise , Count , Bummer
Declined For Life Insurance? Consider This!
2007-12-26 00:00:00 There are nearly 2000 companies in the US that purport to be life insurance companies. When you work your way through all of the “sort of’s” and “wanna be’s”, and get down to those companies that are serious about the products they offer and their approach to underwriting, the field narrows to maybe 50, at ... More About: Life , Insurance , Life Insurance
Bipolar Disorder Is Not An Automatic Decline!
2007-12-25 00:00:00 Since studying and becoming more active in the life insurance needs of people with mood disorders, it has become apparent that many life insurance agents and companies have a knee jerk reaction to anyone with bipolar disorder. And those knees aren’t jerking in favor of the clients. I would not be blowing things out of proportion ... More About: Automatic , Bipolar , Bipolar Disorder
Merry Christmas And Happy New Year Heart Attacks!
2007-12-25 00:00:00 During this time of year when the focus should be all about family, fun and the joy of having survived another one (year that is), there looms an annual health challenge that can ruin all the plans and hopes of the season. The Christmas /New Year ’s season is also the peak of heart attack season. It’s been ... More About: Heart , Happy , Happy New Year
Rethinking BMI Criteria For Gastric Bypass Surgery!!
2007-12-22 00:00:00 Bariatric surgery, such as gastric bypass, has usually been reserved for people who would qualify based on body mass index as morbidly obese. A body mass index of 40 or more qualifies as morbidly obese. Newer thinking is leaning toward broadening the criteria. While a BMI of 40 or more is certainly one criteria that should ... More About: Gastric Bypass , Surgery , Criteria , Urge
Adam Aviation Nears Milestone FAA Approval!
2007-12-22 00:00:00 I follow Adam Aircraft with particular interest because their planes are built not too far from here in Colorado and also because George Adam is a life insurance client of mine from a time when we had to fight the insurance companies to accept him at preferred rates even though his, at the time A500, ... More About: Aviation , Milestone
Early Detection! Early Detection! Early Detection!
2007-12-20 00:00:00 There’s that saying about beating a dead horse. Some days I wonder if the saying came about before me or because of me. Early detection of cancer is so critical to a good outcome, that I will continue to beat the horse, even though it’s dead, in hopes that a few people will get it and ... More About: Detection
Major News On Breast Cancer!
2007-12-20 00:00:00 DCIS (ductal carcinoma in situ) is a form of breast cancer that very rarely progresses to the point where it invades any neighboring tissue or spreads to other parts of the body. DCIS is never life threatening. In fact it is considered to be a precancerous condition. The most common treatment for DCIS is lumpectomy. In ... More About: News , Cancer , Breast Cancer , Breast , Major
Bariatric Surgery Shown To Increase Lifespan!
2007-12-19 00:00:00 There are times when diet and exercise just never seem to accomplish what’s needed. There are times when morbid obesity becomes life threatening and a radical approach to control the situation is needed. Bariatric surgery, mostly commonly gastric bypass or lap band surgery, is that radical last choice. When things have gotten so out of control ... More About: Surgery , Bariatric Surgery , Urge
Suze Orman Under Attack Again!
More articles from this author:2007-12-19 00:00:00 My recent post about Suze Orman’s lack of life insurance knowledge struck a chord with another life insurance professional, Jack Bobo. While I disagree with the premise of his article “The Tired Tirade Continues” in National Underwriter Magazine, it was refreshing to hear someone other than me with a long history in the business, taking ... More About: Attack , Atta 1, 2, 3, 4, 5, 6, 7 |
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