Browse: Home / bipolar disorder
By Ed Hinerman on March 30, 2012
It’s barely been a month since one of our highest rated carriers announced huge breakthroughs on cancer life insurance underwriting. With some cancers they did away with the one year waiting period post treatment, instead opting for a more aggressive approval suimmediately upon completion of successful treatment. They also opened the door for approvals of ...read more
Posted in Attention Deficit Disorder, bipolar disorder, cancer, coronary artery disease (CAD), cpap, impaired risk life insurance, insurance, life insurance, melanoma, over 50 life insurance | Tagged approval immediately upon completion of successful treatment, best rate class, bladder cancer, calcium scores, cancer, cancer underwriting has been abusive, cardiac risk factor, colon cancer, EBCT, eneterainer life insurance, Gleason grade 8, highest rated carriers, improved survival rates, in situ, insurance, life insurance, low stage and grade, melanoma, more breakthrough news, moving in the right direction, non smoker, papillary carcinoma thyroid, professional athlete life isurance, standard rates or better, surgical treatment only, testicular seminoma |
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 23, 2012
The way 99.9% of life insurance companies treat people with bipolar disorder drives me nuts. I’m not talking about an insurance company that fully underwrites an application and finds out something really sketchy in a person’s history. What slays me is agents that won’t even let you go beyond your admission of bipolar disorder without ...read more
Posted in bipolar, bipolar disorder, Depression, insurance, life insurance | Tagged bipolar, bipolar disorder, bipolar disorder approved, bipolar life insurance, ceo life insurance, Homemaker life insurance, insurance, life insurance, life insurance companies, life insurance morons, physicians, stupid life insurance agents, Surgeons, Teachers |
By Ed Hinerman on February 20, 2012
I have decided to completely reverse my feeling about online mega agencies such as Selectquote and Accuquote. I have repeatedly inferred that they are the scum of the life insurance industry, that volume of business is more important than customer service, and that their appetite for signing contracts for the largest compensation deals is decidedly ...read more
Posted in bipolar, bipolar disorder, Independent agent, insurance, life insurance | Tagged bipolar disorder, bipolar II, commonly approved, fix bad experience, giant online life insurance agencies, insurance, just buy accidental death, just more work, life insurance, mega agencies, not cost effective, not uninsurable, scum of life insurance industry, Selectquote, Selectquote advertising overhead, time is money, uninsurable, volume more important than customer service, wide swath of dssatisfaction |
By Ed Hinerman on February 16, 2012
If you make $300,000 or less then this post is probably not for you, unless you can envision a time when your income is higher. Traditional disability income insurance will pay, at most, 65% of your income as a benefit, theoretically what you would net post taxes. This means that the maximum benefit at $300,000 ...read more
Posted in bipolar disorder, business life insurance, buy/sell life insurance, civilian contractors, disability income, insurance, prostate cancer | Tagged $250k a month benefit, attorneys, dentists. executives, disability for entertainers, disability for professional athletes, disability incomce insurance, disability income, disability income cap, high limit disability income insurance, highly paid surgeons, income in excess of $1 million, insurance, physicians, restrictive disability insurance, supplemental disability income insurance, traditional disability income |
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 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 January 6, 2012
It would interesting to understand the psychology of an average life insurance agent. I know that there are plenty of truly lazy agents out there who, it appears, have a template that your life insurance application needs to fit into. If it doesn’t fit they either won’t take it on or they will let it ...read more
Posted in A1c, bipolar disorder, cancer, heart disease, insurance, life insurance | Tagged asking all the health questions, average life insurance agent, clients deserve, elevated A1c, get information from doctors, in depth questions, insurance, life insurance, life insurance application, most agents give up, review cardiac workups, study the health issue, successful with bipolar disorder, truly lazy agents, understand cancer pathology, well controlled mood disorder |
By Ed Hinerman on January 4, 2012
I was grazing through Twitter today and came across this gem by Miki Strong, “Transparency in biz earns you trust & respect from your ideal client and filters out those who you’re not ideally suited to help”. It was one of those moments like when you’re in church and you have that feeling that the ...read more
Posted in bipolar disorder, decline, insurance, life insurance | Tagged approved for life insurance, bipolar disorder, declined for life insurance, doesn't seem right, highly rated for life insurance, ideal client doesn't cave in, ideally suited to help, insurance, life insurance, more hope, my ideal client, treated unfairly, win the fight, worthy of life insurance. wrong agent, wrong company, wrong results |
