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Are Mood Disorder Life Insurance Underwriting Guidelines Abusive?

by Ed Hinerman | Feb 16, 2012 | Anxiety, bipolar, bipolar disorder, business life insurance, decline, Depression, insurance, life insurance, physicians life insurance

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...

We Should All Be Treated For Anxiety!

by Ed Hinerman | Aug 8, 2011 | Anxiety, Attention Deficit Disorder, Depression, insurance, life insurance

When i see how some life insurance underwriters treat clients with generalized anxiety, often offering standard rate or worse approvals, I wonder if they’re living in the same country as the rest of us. USA could easily stand for the United States of Anxiety...

A Year Of Life Insurance New Possibilities!

by Ed Hinerman | Nov 27, 2010 | bipolar disorder, diabetes, insurance, life insurance, Type 1 diabetes

I have to admit that I very seldom approach a new year with pessimism, but it’s also pretty rare form me to start talking about my optimism when the new year is still a month away. I believe 2011 is going to be a breakthrough, breakaway, record breaking year for...

Time To Take Another Look?

by Ed Hinerman | Jul 14, 2010 | bipolar, bipolar disorder, insurance, life insurance

Most people that read my blog and call or email about life insurance for people with bipolar disorder or other serious mood disorders seem to be in their mid forties and below. Most but not all. We have had a fair number of successful professionals my age (55+),...

The Hinerman Group

Ed HinermanMy 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!

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