by Ed Hinerman | Jun 6, 2011 | bipolar disorder, decline, insurance, life insurance
MIB, the Medical Information Bureau, has always been kind of this covert secret group that snatches information whenever you apply for life insurance or health insurance. MIB has been blamed for a lot of things and I thought it would be helpful to demystify their role...
by Ed Hinerman | May 11, 2011 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance
When you consider the opposite of stable is unstable it makes it easier to understand why life insurance underwriting uses stability as a benchmark for approval and rates for all mood disorder underwriting. Whether it is depression, anxiety or bipolar disorder life...
by Ed Hinerman | May 2, 2011 | bipolar, bipolar disorder, insurance, life insurance
I had my memory tested today when I had a call from a man from the town I grew up in. He introduced himself as Howard Johnson which didn’t ring a bell and then he threw out a few more names that didn’t ring a bell. Then he mentioned that he used to be the...
by Ed Hinerman | Apr 18, 2011 | bipolar, bipolar disorder, insurance, life insurance
I suppose if you are a car dealer, car advertisements get under your skin if they don’t tell the truth. I’ve been enormously disappointed over the years in the way mega agency Selectquote advertises term insurance. They are deceptive at best. After an...
by Ed Hinerman | Mar 3, 2011 | bipolar, bipolar disorder, insurance, life insurance
I want to preface this post by saying I am not making light of any problems that Charlie Sheen may be having or any mental issues that he is dealing with. Nor am I judging him. There was a suggestion made in one interview that he might have bipolar disorder which he...
by Ed Hinerman | Feb 19, 2011 | bipolar, bipolar disorder, Depression, insurance, life insurance
I Googled bipolar life insurance today and was struck by the lack of information on how to get approved for life insurance with bipolar disorder or any of the other mood disorders. Don’t get me wrong. There was plenty of information about bipolar disorder,...
by Ed Hinerman | Feb 8, 2011 | Anxiety, bipolar, bipolar disorder, insurance, life insurance
I was involved in an exchange on the Bipolar Disorder Forum of eHealthforum several months ago. A person had been declined for life insurance and wanted to know if that was just the reality of bipolar disorder or if someone knew how to navigate what was turning out to...
by Ed Hinerman | Jan 16, 2011 | bipolar, bipolar disorder, insurance, life insurance
I recently came across a new underwriting twist that would apply primarily to mood disorders such as chronic depression and bipolar disorder, viewing a medication change as a negative event. Would it be better to not try for more stability, not try to improve by...
by Ed Hinerman | Jan 4, 2011 | bipolar, bipolar disorder, insurance, life insurance
If you have bipolar disorder and have applied for life insurance then you might assume that life insurance underwriting of bipolar disorder is very straightforward. You apply. You tell them you have bipolar disorder. You get declined. With most companies it really is...
by Ed Hinerman | Dec 29, 2010 | bipolar, bipolar disorder, bypass surgery, heart disease, insurance, life insurance
The term high risk gets thrown around in the life insurance world probably way more than it should. The truth is that with the exception of truly high risk companies like Lloyds of London, life insurance companies would “prefer not to participate” in a...
by Ed Hinerman | Dec 6, 2010 | bipolar, bipolar disorder, heart disease, insurance, life insurance
You know how it is when you’re learning to do something new. There’s a hard way to do it and there’s an easy way to do it. Almost without exception the hard way is the one that comes naturally. I’ve been learning for 3 years now how to get...
by Ed Hinerman | Nov 27, 2010 | bipolar disorder, diabetes, insurance, life insurance, Type 1 diabetes
I have to admit that I very seldom approach a new year with pessimism, but it’s also pretty rare form me to start talking about my optimism when the new year is still a month away. I believe 2011 is going to be a breakthrough, breakaway, record breaking year for...
by Ed Hinerman | Nov 10, 2010 | bipolar disorder, insurance, life insurance
Just like that pink rabbit, I just keep going and going and going. I know I’ve beat this drum seemingly to death, but it seems each time I beat it we reach one of two more people that we can help. Bipolar disorder is one of the most misunderstood underwriting...
by Ed Hinerman | Nov 1, 2010 | bipolar disorder, insurance, life insurance, suicide clause
I think we can all understand why life insurance underwriters might get a little squeamish about approving someone who has attempted suicide, especially if it was in the recent past. But what about suicidal thoughts or ideations with no real action or attempt? When I...
by Ed Hinerman | Oct 20, 2010 | bipolar disorder, insurance, life insurance, mortality risk
I’ve been specializing in “impaired risk” life insurance cases for the past 13 years and often find that people are confused about the term. They can get their mind wrapped around the idea that they have an impairment, but when you add the word risk...
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