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 | 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 | 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 | Sep 23, 2013 | Attention Deficit Disorder, bipolar disorder, Depression, insurance, life insurance, life insurance approval
I am so glad that a life insurance company came clean with me this last week and admitted that, yes, they had in fact changed their stance on underwriting of bipolar disorder life insurance and other mood disorders as well. They admitted that a case that they had...
by Ed Hinerman | Mar 30, 2012 | Attention Deficit Disorder, bipolar disorder, cancer, coronary artery disease (CAD), cpap, impaired risk life insurance, insurance, life insurance, melanoma, over 50 life insurance
It’s barely been a month since one of our highest rated carriers announced huge breakthroughs on cancer life insurance underwriting. With some cancers they did away with the one year waiting period post treatment, instead opting for a more aggressive approval...
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...
by Ed Hinerman | Nov 19, 2010 | Attention Deficit Disorder, insurance, life insurance
Every time I hear of someone being rated anything more than preferred on a life insurance application for ADHD or ADD, it just leaves me shaking my head and wondering if the underwriter has any clue what attention deficit disorder is. I got an email this morning,...
by Ed Hinerman | Jul 31, 2008 | Attention Deficit Disorder, bipolar disorder, Depression, insurance, life insurance
I’ve often mentioned that getting approval and good rates on life insurance is a matter of the right agent in combination with the right company. The other key to success is an application that is properly thought out and presented. A case in point is a client...
by Ed Hinerman | Jun 26, 2008 | Anxiety, Attention Deficit Disorder, bipolar disorder, decline, Depression, Independent agent, insurance, life insurance
As we’ve discussed many times, good life insurance rates are available if you have bipolar disorder if you meet certain criteria, underwriting guidelines. For the purposes of underwriting, while the companies may call them guidelines, assume they are rules. You...
by Ed Hinerman | Jun 17, 2008 | Attention Deficit Disorder, bipolar disorder, Depression, Independent agent, insurance, life insurance
ADHD (Attention Deficit Hyperactivity Disorder) is more commonly associated with children, and for good reason. Raising any child is a challenge. Even the best of them is a handful. Having raised a son with ADHD I can tell you that it’s kind of like fireworks,...
by Ed Hinerman | Oct 11, 2007 | Anxiety, Attention Deficit Disorder, Depression, Independent agent, insurance, life insurance
If asked what the drug of the 90’s was, my guess is that most answers would sway to the wrong side of the alley and go with crack or methamphetamines. Being the cleancut, right side of the alley kind of guy, my vote went to Prozac. I was researching the...
by Ed Hinerman | Sep 21, 2007 | Attention Deficit Disorder, high blood pressure, insurance, life insurance, Sleep apnea, stroke
A client I worked with this week was a little miffed because Met Life didn’t come through with the rate the agent said they would, even though he had divulged his health history and his labwork was perfect. Apparently he quoted the client $1800 a year and it was...
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