By Ed Hinerman on March 27, 2012
Let me preface this by saying that I take Prozac for situational depression. The situation doesn’t exist anymore but the feelings were so bad that I continue to take the Prozac. I don’t want to quit and find out that the horrible way I felt was just coincidental to the situation that I blamed it ...read more
Posted in Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance, over 50 life insurance | Tagged anti anxiety medication, anti depressant medication, better rate on life insurance, bipolar disorder, discontinue treatment, discontinuing treatment affect underwriting, insurance, life insurance, Lithium, misdiagnosis, mood disorder drug, mood disorder life insurance, over 50 applying for life insurance, over 50 life insurance, Prozac, situational depression |
By Ed Hinerman on February 16, 2012
If it isn’t crystal clear by now, it should be. People applying for life insurance with a current or past history of well controlled depression, anxiety, ADD, ADHD, bipolar disorder and other mood disorders are being abusively rated or declined by most life insurance companies. My contention is , in spite of the statistics, is ...read more
Posted in Anxiety, bipolar, bipolar disorder, business life insurance, decline, Depression, insurance, life insurance, physicians life insurance | Tagged abusively declined, abusively rated, ADD, ADHD, anxiety disorder, approved at preferred plus rates, approved bipolar disorder, attorney, bipoalr disorder, bipolar, CEO, ceo life insurance, decline, insurance, life insurance, obsessive compulsive disorder, OCD, physician, rated for mood disorders, situational depression, well controlled anxiety, well controlled depression, well controlled mood disorder |
By Ed Hinerman on February 15, 2012
It’s no secret that by far the majority of my non private pilot clients have been declined for life insurance before they came to me. There is just something about being declined that is personal, a little humiliating, maybe scary and really ticks people off. “What do you mean I’m not insurable”? I had an ...read more
Posted in Anxiety, decline, insurance, life insurance | Tagged about being declined, Anxiety, declined, declined for life insurance, handled correctly, I'm not insurable, insurance, life insurance, poor handling by agent, private pilot, psychiatrist records, shopped it blind, skeletons out of closet, summary of diagnosis, summary of treatment, without knowing the facts |
By Ed Hinerman on January 26, 2012
What a cold, cruel world we live in. Most of the time I am not surprised when someone calls because they they have been approved at a standard rate, sometimes a little worse for things like ADD, ADHD, mild anxiety or depression. A few days ago I got a call from someone who had been ...read more
Posted in Anxiety, decline, Depression, hepatitis, insurance, life insurance | Tagged ADD, ADHD, hepatitis, impaired risk life insurance, impaired risk underwriting, insurance, life insurance, liver tests, mild anxiety, mild depression, mood disorders, preferred plus, right agent |
By Ed Hinerman on January 19, 2012
As I come to grips with the fact that I am going to have to switch from Windows XP to Windows 7 and from Outlook Express to Outlook, I am a bit stressed. To bring you up to speed on the kind of stress I am going through, I wrote this post this morning. Because ...read more
Posted in Anxiety, bipolar disorder, cholesterol, Depression, high blood pressure, insurance, life insurance | Tagged approve at preferred plus rates, attorneys, best rate class, better rate class than industry average, blood pressure, CEO's, cholesterol, coping mechanism, insurance, life insurance, life insurance underwriters, minor mood disorder, mood disorder treatment, mood stablizing, mothers dealing with children, physicians, Prozac, rate class reflect mortality risk, stress, treated for ADD, treated for anxiety, treated for bipolar disorder, treated for depression, well controlled, Wellbutrin, Windows 7, Zoloft |
By Ed Hinerman on January 7, 2012
I’ve talked in the past about how some companies will come on like they want to be the industry leader in a niche, only to fall of the radar completely a year or two later. The supposition on my part is that they either hired a new chief underwriter who put a squash on the ...read more
Posted in Anxiety, bipolar disorder, Depression, ING Reliastar, insurance, life insurance | Tagged ADD, Anxiety, bipolar disorder, bit by ING, Depression, ING bonus contracts, ING fallen from grace, ING Reliastar, insurance, life insurance, minor mood disorders, mood disorder unfriendly company, mood disorders, never quote second best rate, preferred plus, situational depression, Sleep apnea, standard, Type 2 diabetes, Zander Insurance |
By Ed Hinerman on December 22, 2011
I think it’s happened to all of us at one point or another. We go to a doctor or a counselor and they come up with a diagnosis that is so far out of context that you can’t understand how they got from point A to B. There is a very natural tendency, especially if ...read more
Posted in Anxiety, bipolar, bipolar disorder, decline, insurance, life insurance | Tagged bipolar, bipolar disorder, decline due to non compliance, declined for no reason, declined twice bipolar disorder, diagnosis, diagnosis bogus, discard old diagnosis, dismiss the diagnosis, insurance, life insurance, mistake in medical records, non compliance, optional test, postpone until test is completed, psych evaluation, recommended testing, recommended treatment, reviewe medical records |
By Ed Hinerman on December 12, 2011
When I came up with a title for this post it made me chuckle. It seemed so familiar….but we’re not talking about my granddaughter. This is about life insurance and specifically the negative impact you can have on your application by not following through on doctors orders. In all fairness, the issue of non compliance ...read more
Posted in Anxiety, gastric bypass, insurance, life insurance | Tagged appointments with specialists, approved better than applied for, blood work, gastric bypass information, insurance, issues of non compliance, job related anxiety, life insurance, life insurance underwriters, medical record management, mountain of medical records, negative impact on application, non compliance with doctors orders, tests, x rays |
By Ed Hinerman on December 3, 2011
It’s 2011 for a little while longer and it seems that only a few life insurance companies have caught on to the fact that life in our great country is a little more stressful than it used to be. You don’t need to look any further than the CDC (Center for Disease Control) to find ...read more
Posted in Anxiety, bipolar, bipolar disorder, blood pressure, cholesterol, Depression, insurance, life insurance |
By Ed Hinerman on October 26, 2011
Ok, so occasionally I’m like a broken record (dated myself on that one) and can’t quite let go of an injustice. My Mom thinks that’s a good thing and my wife says as long as it doesn’t affect my blood pressure she’s good with it…so here I go again. Well controlled mood disorders are not ...read more
Posted in Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance | Tagged ADD, affordable approvals, anti-American, Anxiety, bipolar, bipolar disorder, CEO, declines, Depression, insurance, life insurance, mistreated on life insurance, mood disorder life insurance, paying too much, top executive, underwriting |
