by Ed Hinerman | Sep 29, 2012 | Alcohol Treatment Life Insurance, Anxiety, application process, approval, insurance, life insurance, life insurance approval
Drop the word insurance out of there and reality is that with success in life comes challenges that even the most on the ball folks aren’t ready for. How a person deals with those challenges can affect how they are perceived when they apply for life insurance....
by Ed Hinerman | Jun 18, 2012 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance
Some years ago I had a client who really hit on a hot button for professionals like her as a physician and others who wore hats from CEO’s to attorneys, dentists and even psychiatrists. In the original case it had to do with a physician who had taken an anti...
by Ed Hinerman | Mar 27, 2012 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance, over 50 life insurance
Let me preface this by saying that I take Prozac for situational depression. The situation doesn’t exist anymore but the feelings were so bad that I continue to take the Prozac. I don’t want to quit and find out that the horrible way I felt was just...
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...
by Ed Hinerman | Feb 15, 2012 | Anxiety, decline, insurance, life insurance
It’s no secret that by far the majority of my non private pilot clients have been declined for life insurance before they came to me. There is just something about being declined that is personal, a little humiliating, maybe scary and really ticks people off....
by Ed Hinerman | Jan 26, 2012 | Anxiety, decline, Depression, hepatitis, insurance, life insurance
What a cold, cruel world we live in. Most of the time I am not surprised when someone calls because they they have been approved at a standard rate, sometimes a little worse for things like ADD, ADHD, mild anxiety or depression. A few days ago I got a call from...
by Ed Hinerman | Jan 19, 2012 | Anxiety, bipolar disorder, cholesterol, Depression, high blood pressure, insurance, life insurance
As I come to grips with the fact that I am going to have to switch from Windows XP to Windows 7 and from Outlook Express to Outlook, I am a bit stressed. To bring you up to speed on the kind of stress I am going through, I wrote this post this morning. Because I am...
by Ed Hinerman | Jan 7, 2012 | Anxiety, bipolar disorder, Depression, ING Reliastar, insurance, life insurance
I’ve talked in the past about how some companies will come on like they want to be the industry leader in a niche, only to fall of the radar completely a year or two later. The supposition on my part is that they either hired a new chief underwriter who put a...
by Ed Hinerman | Dec 22, 2011 | Anxiety, bipolar, bipolar disorder, decline, insurance, life insurance
I think it’s happened to all of us at one point or another. We go to a doctor or a counselor and they come up with a diagnosis that is so far out of context that you can’t understand how they got from point A to B. There is a very natural tendency,...
by Ed Hinerman | Dec 12, 2011 | Anxiety, gastric bypass, insurance, life insurance
When I came up with a title for this post it made me chuckle. It seemed so familiar….but we’re not talking about my granddaughter. This is about life insurance and specifically the negative impact you can have on your application by not following through...
by Ed Hinerman | Dec 3, 2011 | Anxiety, bipolar, bipolar disorder, blood pressure, cholesterol, Depression, insurance, life insurance
It’s 2011 for a little while longer and it seems that only a few life insurance companies have caught on to the fact that life in our great country is a little more stressful than it used to be. You don’t need to look any further than the CDC (Center for...
by Ed Hinerman | Oct 26, 2011 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance
Ok, so occasionally I’m like a broken record (dated myself on that one) and can’t quite let go of an injustice. My Mom thinks that’s a good thing and my wife says as long as it doesn’t affect my blood pressure she’s good with it…so...
by Ed Hinerman | Oct 20, 2011 | Anxiety, bipolar, bipolar disorder, insurance quotes, life insurance
Gosh. It’s been a while since I’ve talked about bipolar disorder life insurance and the continued success we are having placing reasonably priced life insurance for bipolar and the whole gamut of mood disorders. Since it has been a while let’s review...
by Ed Hinerman | Aug 31, 2011 | Anxiety, Depression, insurance, life insurance, physicians life insurance
What are there, 300 million plus a few people in the United States now? And the best guess I found is that 10’s of millions have mood disorders to one degree or another. Personally I think that may be an understatement. Tens of millions treated and untreated? 1...
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...
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