by Ed Hinerman | Nov 18, 2020 | ADHD, Anxiety, approval, life insurance, life insurance approval
I first wrote this post five years ago in reaction to a client who had put their faith in USAA. They were a veteran and, after all, USAA makes much of being America’s patriotic insurance company. Their experience with USAA was nothing short of insulting, not...
by Ed Hinerman | May 7, 2020 | ADHD, clinical underwriting, life insurance
This post was originally written October 2017, rewritten and added to May 2020 Is USAA Really Working Hard For You? I was reminded that morning three years ago just how wrong a life insurance company can be on mood disorder underwriting. I am well aware, having gone...
by Ed Hinerman | Aug 2, 2016 | ADHD, Anxiety, bipolar disorder, CEO life insurance, Depression, executives, insurance, life insurance, life insurance approval
Well before I was known for being someone with bipolar disorder, a reasonably stable, high functioning someone with bipolar disorder, I was the go to guy in the US, most of Canada, Mexico, Central America and the Caribbean for those in need of life insurance who...
by Ed Hinerman | Jul 15, 2016 | ADHD, Attention Deficit Disorder, bipolar, bipolar disorder, business life insurance, CEO life insurance, executives, insurance, life insurance, life insurance approval
I had a situation come up about a month ago, just a few days after being diagnosed bipolar II. It was amazing how quickly that diagnosis snapped a good bit of my teen and adult years into focus and I think in a lot of ways pointed a light at my business success and my...
by Ed Hinerman | Jan 26, 2016 | ADHD, Anxiety, approval, bipolar disorder, breast cancer, business life insurance, CEO life insurance, compliance, decline, Depression, insurance, life insurance, life insurance approval, physicians life insurance
Now there’s a calming thought. You’re still alive, traumatized from head to toe from a car to moose gathering on the highways of Maine and you’ve made it to the hospital. The doctor and nurse start working and you relax as you know that you are with...
by Ed Hinerman | Oct 28, 2015 | ADHD, Anxiety, approval, bipolar disorder, business life insurance, CEO life insurance, Depression, insurance, life insurance, life insurance approval, mortality risk, physicians life insurance
Life insurance companies are so burdened with their responsibility to clients to underwrite them fairly and offer the best price possible, and their responsibility to share holders to maximize profits by bringing in new business (competition) and cutting expenses...
by Ed Hinerman | Aug 31, 2015 | ADHD, Anxiety, approval, bipolar disorder, business life insurance, CEO life insurance, compliance, Depression, insurance, life insurance, life insurance approval
I live at the base of Mount Antero here in Colorado (Prospector show on the Weather Channel) and yesterday afternoon hiked up to Brown’s Lake, a twelve mile round trip hike up and down Brown’s Creek. I only went to about 12,000 feet, fairly short of the...
by Ed Hinerman | May 20, 2015 | ADHD, Anxiety, approval, Attention Deficit Disorder, bipolar, bipolar disorder, CEO life insurance, Depression, impaired risk life insurance, insurance, life insurance, life insurance approval, mood disorder life insurance, physicians life insurance
It’s been a long time since I addressed the topic of the beating that professionals, from physicians to attorneys to CEO’s take on life insurance if they have ever even been suspected of having a mood disorder. The way life insurance underwriting jumps all...
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