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 | 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 | May 28, 2016 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance, mood disorder life insurance
I guess I certainly never claimed I was mood disorder free and in fact sometime during the life of this blog I likely owned up to long term mild depression and maybe a bit of anxiety. And until this last November I would have stuck to that story and made that my final...
by Ed Hinerman | Mar 19, 2016 | Anxiety, Attention Deficit Disorder, bipolar disorder, Depression, insurance, life insurance, life insurance approval, mood disorder life insurance
Life insurance companies are humorous in the way they run toward good business and just as easily get cold feet and run away from it. They’ve told us since God created the heavens and the earth and life insurance that the factors that make up life insurance...
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...
by Ed Hinerman | Jan 29, 2015 | Anxiety, bipolar disorder, Depression, impaired risk life insurance, insurance, life insurance, life insurance approval, life insurance underwriting
I’ve seen some pretty silly assumptions made by life insurance underwriters in the mood disorder arena, anxiety, ADD, depression, OCD and bipolar disorder. Not that long ago a client came to me after being declined because she took Lamictal for depression....
by Ed Hinerman | Jan 27, 2015 | Anxiety, Depression, impaired risk life insurance, life insurance, life insurance approval
It’s one of those days when a bit of clarification might just go a long ways. I have a couple of clients I am currently working on personal life insurance policies who have mood disorders and came to me looking for the best possible rate in their situation....
by Ed Hinerman | Aug 12, 2014 | Anxiety, CEO life insurance, Depression, insurance, life insurance, life insurance approval, Sleep apnea
People living with sleep apnea are at risk of dying and that seems to be what troubles the majority of life insurance companies and life insurance underwriters. The same could be said for people living with anxiety or mild depression. In this time we’re living...
by Ed Hinerman | Oct 11, 2013 | Anxiety, bipolar disorder, Depression, insurance, life insurance, life insurance approval, life insurance underwriting
I mentioned a few weeks ago that I had forwarded a post to three life insurance companies, Prudential, Banner Life and American General Life. The gist of the post was that it seemed to me and several of my colleagues that there had been a serious shift in mood...
by Ed Hinerman | Aug 21, 2013 | Anxiety, approval, assumptions, bipolar disorder, CEO life insurance, Depression, insurance, life insurance, life insurance approval, life insurance claim
While I believe it would be characterized as mild, there seems to be quite a bit of evidence pointing to the fact that most life insurance companies have gone through a manic period of underwriting mood disorders. For the past several years depression, anxiety and...
by Ed Hinerman | May 21, 2013 | Anxiety, decline, Depression, insurance, life insurance, over 50 life insurance, physicians life insurance
I’ve gone and fooled myself again. I’ve been so adamant about the pathetic underwriting from 99.5% of life insurance companies that I sometimes forget that in that one half of once percent of companies that do great things, there are still humans...
by Ed Hinerman | Nov 26, 2012 | Anxiety, bipolar disorder, Depression, gastric bypass, insurance, life insurance, life insurance approval, mortality, mortality risk, obesity
Let me start out by saying that traditional life insurance underwriting doesn’t reward treatment of health issues. That is as in DOES NOT reward. There are still life insurance companies out there that will whack a client like a golf ball for taking medication...
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