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 23, 2012 | bipolar, bipolar disorder, Depression, insurance, life insurance
The way 99.9% of life insurance companies treat people with bipolar disorder drives me nuts. I’m not talking about an insurance company that fully underwrites an application and finds out something really sketchy in a person’s history. What slays me is...
by Ed Hinerman | Feb 20, 2012 | bipolar, bipolar disorder, Independent agent, insurance, life insurance
I have decided to completely reverse my feeling about online mega agencies such as Selectquote and Accuquote. I have repeatedly inferred that they are the scum of the life insurance industry, that volume of business is more important than customer service, and that...
by Ed Hinerman | Feb 16, 2012 | bipolar disorder, business life insurance, buy/sell life insurance, civilian contractors, disability income, insurance, prostate cancer
If you make $300,000 or less then this post is probably not for you, unless you can envision a time when your income is higher. Traditional disability income insurance will pay, at most, 65% of your income as a benefit, theoretically what you would net post taxes....
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 | 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 | Jan 6, 2012 | A1c, bipolar disorder, cancer, heart disease, insurance, life insurance
It would interesting to understand the psychology of an average life insurance agent. I know that there are plenty of truly lazy agents out there who, it appears, have a template that your life insurance application needs to fit into. If it doesn’t fit they...
by Ed Hinerman | Jan 4, 2012 | bipolar disorder, decline, insurance, life insurance
I was grazing through Twitter today and came across this gem by Miki Strong, “Transparency in biz earns you trust & respect from your ideal client and filters out those who you’re not ideally suited to help”. It was one of those moments like...
by Ed Hinerman | Jan 2, 2012 | bipolar, bipolar disorder, insurance, life insurance
I suspect that two things will stay very much the same in 2012. Politics will attempt to suffocate us all and I will be able to reach growing numbers of those with bipolar disorder in the their quest to be treated fairly in acquiring life insurance. Since starting my...
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 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 | Sep 6, 2011 | bipolar, bipolar disorder, decline, insurance, life insurance, physicians life insurance
A common theme I run into because of the large number of physician life insurance clients I have is the lack of records they have. To a ridiculous end it would be like asking your Mom to produce records for all of the medical care she gave you growing up. With...
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