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 | Jan 14, 2010 | Anxiety, insurance, life insurance
USAA is one of the biggest insurance companies in the country. Their ratings are enviable and their reputation is impeccable, except for one large chink in their armor. They stink at underwriting. Like a lot of large auto and homeowners insurance companies, USAA makes...
by Ed Hinerman | Nov 11, 2009 | bipolar, bipolar disorder, Independent agent, insurance, life insurance
This is a theme I have pounded on for some time. There are the obvious cases where, for instance, someone with bipolar disorder who goes to their Farmers insurance agent should not expect a good outcome. Wrong agent with the wrong company. In that case there is no...
by Ed Hinerman | Sep 22, 2009 | insurance, life insurance, obesity
I had a client just recently who works for State Farm as a claims adjuster and was declined for life insurance by to them due to his obesity. He’s 6’1, 415 pounds. I shouldn’t get down on State Farm over this since by most life insurance company...
by Ed Hinerman | Aug 31, 2009 | bipolar disorder, insurance, life insurance
Another bipolar disorder success today. A client I have been working with who applied with State Farm and USAA and received highly rated offers from both was able to get a standard rate through one of our better carriers, more than cutting in half his potential life...
by Ed Hinerman | Aug 12, 2009 | bipolar disorder, insurance, life insurance
Back “in the day” families had an insurance agent. It really didn’t matter what type of insurance they needed. If they wanted auto, homeowners, health, life, disability income or anything else, they went to the family agent. In most cases the agent...
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