by Ed Hinerman | Jul 12, 2008 | bipolar disorder, decline, Independent agent, insurance, life insurance
The amount of misinformation, or overblown information concerning bipolar disorder is troubling especially to those who are trying to overcome the stigma in their lives and in quests such as trying to apply for life insurance. Bipolar disorder, for many, conjures up...
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 | May 28, 2008 | Anxiety, bipolar disorder, Depression, diabetes, heart attack, heart disease, hepatitis, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
There must be a couple of million people in the US licensed to sell life insurance. If you take in the giant internet mega agencies, all of the independent agents, and all of the captive agents (work for just one company), the possibilities for purchasing life...
by Ed Hinerman | May 26, 2008 | bipolar disorder, cancer, high blood pressure, Independent agent, insurance, life insurance
I was providing some information on the underwriting of bipolar disorder a few days ago on a bipolar forum when the question came up, “Why is bipolar disorder an issue with life insurance”. Being in the life insurance business I am keenly aware that most...
by Ed Hinerman | May 20, 2008 | Anxiety, bipolar disorder, Depression, insurance, life insurance
I don’t know that I was shocked, but certainly took note the other night when, unless my memory is as bad as my wife says, I saw an advertisement for bipolar disorder medication during prime time. The medication is Abilify and I am not posting this to endorse it...
by Ed Hinerman | May 19, 2008 | Anxiety, bipolar disorder, Depression, insurance, life insurance
This is a stressed out world we’re living in and it would be highly unlikely that you don’t know someone suffering from either anxiety or depression, and not too unlikely that the someone could be you. The more pressure the world exerts, the more likely...
by Ed Hinerman | May 9, 2008 | Anxiety, bipolar disorder, Depression, Independent agent, insurance, life insurance
I was recently contacted by a person who had been declined by an insurance company (pretty much an every day occurrence here). This person had been treated for depression for quite a while, but successfully treated. The person was leading a normal, stable life....
by Ed Hinerman | May 1, 2008 | bipolar disorder, blood pressure, diabetes, high blood pressure, insurance, life insurance
I’m not sure I could beat this subject too hard. If you have bipolar disorder and have looked for life insurance, you know how challenging and frustrating it can be. One of the underwriting points that is absolutely critical to getting the best rates possible is...
by Ed Hinerman | Apr 30, 2008 | bipolar disorder, Independent agent, insurance, life insurance
I worked recently with a client who was diagnosed with bipolar disorder almost 8 years ago. After reading one of my posts on the success we’ve had in obtaining life insurance at good rates for people in her situation, she reluctantly decided to try again. She...
by Ed Hinerman | Apr 24, 2008 | bipolar disorder, insurance, life insurance
The news really does keep getting better and better when it comes to well controlled, stable bipolar leading to good life insurance rates. I just placed a case with a woman who was actually approved at a better rate than we had applied for. Part of the reason for her...
by Ed Hinerman | Apr 14, 2008 | Anxiety, bipolar disorder, Depression, diabetes, epilepsy, heart disease, insurance, life insurance
I wouldn’t presume to beat a dead horse, but so seldom is there any significant shift in life insurance underwriting that it bears as much good press as it can stand. While life insurance companies have, for a long time, been fairly tolerant of mild situational...
by Ed Hinerman | Apr 8, 2008 | bipolar disorder, breast cancer, cancer, diabetes, heart attack, Independent agent, insurance, life insurance, Type 1 diabetes
I’ve mentioned before that there is a problem in the life insurance business. Pure and simple, it’s greed. Agents are so protective of a potential sale that they will actually tell a customer they are uninsurable, rather than admit they are the wrong agent for the...
by Ed Hinerman | Apr 3, 2008 | Anxiety, bipolar disorder, Depression, Independent agent, insurance, life insurance
40 years ago it was a rare thing to hear of someone who was on medication for depression. Of course back then people really didn’t talk about “those kind†of problems very openly. Treatment options were generally restricted to visiting a psychologist, therapist,...
by Ed Hinerman | Mar 29, 2008 | bipolar disorder, diabetes, insurance, life insurance
You think I get excited about this stuff. You should talk to the people who have been battling the bipolar/life insurance battle for years and getting their rears kicked by insurance companies. They keep getting told that they are bipolar, therefore they are...
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