by Ed Hinerman | Jan 22, 2008 | bipolar disorder, diabetes, hypertension, insurance, seizure disorder
I have emailed an article I read today to all of the underwriters I work with. While many are on board with the idea that all bipolar is created equal and that all bipolar should be declined life insurance, there are still some hanging on to their worst fears like a...
by Ed Hinerman | Jan 18, 2008 | bipolar disorder, Depression, insurance, life insurance
Being a life long Rocky Mountain guy, if I were ever asked to describe depression in picture form, I would probably start with, “imagine you’re in the Northwest”… I’ve been here for a week and am suffering from lack of solar gain....
by Ed Hinerman | Jan 18, 2008 | bipolar disorder, diabetes, insurance, life insurance
I don’t know if it’s because I’ve been blogging a lot on the subject, or dealing with life insurance underwriters and doing research, but bipolar seems to be popping up everywhere in my world. I hear the word more. I see more ads on TV for treatment...
by Ed Hinerman | Jan 14, 2008 | bipolar disorder, Independent agent, insurance, life insurance
After studying several forums and reviewing insurance websites over the weekend, it seems the tendency to bulk all bipolar into one package is well, just easier, than dealing with the individual cases. The bad news is that the package everyone is bulked into is the...
by Ed Hinerman | Jan 11, 2008 | bipolar disorder, Independent agent, insurance, life insurance
Other than the fact that you can get good news about bipolar and life insurance from my blog most anyday, there aren’t a lot of folks spreading good news about bipolar. A recent University of Pittsburgh study has shed some light on the use of light boxes as a...
by Ed Hinerman | Jan 9, 2008 | bipolar disorder, insurance, life insurance
The cruxt of bipolar disorder is simply highs and lows. One day you’re up, sometimes very up and the next you might be down, sometimes very down. This is, from a simplistic view, a good description of a lot of life insurance underwriters. They will get all fired...
by Ed Hinerman | Jan 7, 2008 | bipolar disorder, insurance, life insurance
I share the frustration that people with well controlled bipolar disorder suffer when they run into the ignorant masses of life insurance agents who not only don’t understand the disorder, but don’t understand how to get it successfully underwritten at...
by Ed Hinerman | Jan 3, 2008 | bipolar disorder, insurance, life insurance
Well controlled bipolar disorder can run into double trouble when a woman with the disorder becomes pregnant. Tough choices need to be made by the patient and treating physician concerning the continued bipolar treatment into and through pregnancy. Often the decision...
by Ed Hinerman | Dec 29, 2007 | bipolar disorder, blood pressure, diabetes, high blood pressure, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
That could be true of any part of your life. The truth is that compliance with motor vehicle laws and controlling your urge to speed can help you avoid violations that can, in fact, impact your life insurance rates. But generally speaking, from a life insurance...
by Ed Hinerman | Dec 28, 2007 | bipolar disorder, insurance, life insurance
Oh, if it was just that easy! Bipolar can be one of the toughest of mood disorders to get a handle on. Some are lucky enough to find the break in one medication. For some it can take several medications. One of the biggest challenges with bipolar disorder is finding...
by Ed Hinerman | Dec 26, 2007 | bipolar disorder, breast cancer, cancer, diabetes, epilepsy, heart attack, heart disease, insurance, life insurance, prostate cancer, Type 1 diabetes, Type 2 diabetes
I just did a quick gut check on my blogging efforts over the past year. Who really cares about what I believe and what I know about life insurance? Who reads this and really believes that I can do what I claim? I have had more than just a little interest in weblogs...
by Ed Hinerman | Dec 24, 2007 | bipolar disorder, Independent agent, insurance, life insurance
Since studying and becoming more active in the life insurance needs of people with mood disorders, it has become apparent that many life insurance agents and companies have a knee jerk reaction to anyone with bipolar disorder. And those knees aren’t jerking in...
by Ed Hinerman | Dec 14, 2007 | bipolar disorder, cancer, cigar smokers, insurance, life insurance, prostate cancer, Sleep apnea
It is a rare thing in the life insurance industry when there is only one company that takes a stance completely contrary to all of the other companies. Prudential is just that bold. For as long as there has been life insurance and cigarettes, there has been testing to...
by Ed Hinerman | Sep 5, 2007 | bipolar disorder, Independent agent, insurance, life insurance
I’m seeing this headline in the New York Times that is talking about a “40 fold” increase in the diagnosis of children with bipolar disorder in the period between 1994 and 2003. We’re not talking about a 40% increase. The article is saying that...
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