by Ed Hinerman | Jan 17, 2011 | Anxiety, Depression, insurance, life insurance
Although I would never say never, in general the major mood disorders such as bipolar disorder and chronic depression are hard to get approved at preferred best rates. We’ve successfully shot that shot in the past and hope to again, but it takes a truly...
by Ed Hinerman | Nov 19, 2010 | Attention Deficit Disorder, insurance, life insurance
Every time I hear of someone being rated anything more than preferred on a life insurance application for ADHD or ADD, it just leaves me shaking my head and wondering if the underwriter has any clue what attention deficit disorder is. I got an email this morning,...
by Ed Hinerman | Jul 31, 2008 | Attention Deficit Disorder, bipolar disorder, Depression, insurance, life insurance
I’ve often mentioned that getting approval and good rates on life insurance is a matter of the right agent in combination with the right company. The other key to success is an application that is properly thought out and presented. A case in point is a client...
by Ed Hinerman | Jun 26, 2008 | Anxiety, Attention Deficit Disorder, bipolar disorder, decline, Depression, Independent agent, insurance, life insurance
As we’ve discussed many times, good life insurance rates are available if you have bipolar disorder if you meet certain criteria, underwriting guidelines. For the purposes of underwriting, while the companies may call them guidelines, assume they are rules. You...
by Ed Hinerman | Jun 17, 2008 | Attention Deficit Disorder, bipolar disorder, Depression, Independent agent, insurance, life insurance
ADHD (Attention Deficit Hyperactivity Disorder) is more commonly associated with children, and for good reason. Raising any child is a challenge. Even the best of them is a handful. Having raised a son with ADHD I can tell you that it’s kind of like fireworks,...
by Ed Hinerman | Oct 11, 2007 | Anxiety, Attention Deficit Disorder, Depression, Independent agent, insurance, life insurance
If asked what the drug of the 90’s was, my guess is that most answers would sway to the wrong side of the alley and go with crack or methamphetamines. Being the cleancut, right side of the alley kind of guy, my vote went to Prozac. I was researching the...
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