by Ed Hinerman | Jan 9, 2008 | bipolar disorder, insurance, life insurance
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...
by Ed Hinerman | Jan 9, 2008 | Independent agent, insurance, life insurance, smoking
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...
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