by Ed Hinerman | Mar 11, 2009 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance, Prudential
The truth is that I doubt if anyone makes it through life without situational anxiety or depression and there are days when I would swear the whole world is ADD, so what’s the big deal? For years a lot of the more conservative life insurance companies have with...
by Ed Hinerman | Feb 4, 2009 | bipolar, bipolar disorder, diabetes, insurance, life insurance, mortality, mortality risk
Actually rather than the best change, I think the word clarification is more precise. Sometimes it truly isn’t who you know, but what you know about what underwriters need to see. Case in point is bipolar disorder. Two years ago I didn’t have a clue about...
by Ed Hinerman | Jan 16, 2009 | Anxiety, bipolar disorder, blood pressure, Depression, heart attack, high blood pressure, obesity, Sleep apnea, stroke
Up until a few years ago sleep apnea, even well controlled with a cpap, was just one of those health issues that you could expect wouldn’t get much better than a standard plus approval from the best of life insurance underwriters. The same could be said of...
by Ed Hinerman | Dec 26, 2008 | basal cell carcinoma, bipolar disorder, blood pressure, diabetes, high blood pressure, melanoma, Type 1 diabetes, Type 2 diabetes
Considering the turmoil of the economic meltdown that was 2008, it’s always good to find and hold onto bright spots. Here is just a quick review of a few of those bright spots coming from a most unlikely source, life insurance underwriters. For years there has...
by Ed Hinerman | Dec 24, 2008 | bipolar disorder, cancer, Depression, diabetes, heart disease, insurance, life insurance
To all of you have shared in this blog and have helped in our quest to make life insurance less of a mystery and more attainable, Merry Christmas. Whether you have sought our assistance in applying for life insurance that had proved challenging or you just sought us...
by Ed Hinerman | Dec 23, 2008 | Anxiety, bipolar disorder, Depression, Independent agent, insurance, life insurance
There is probably no better feeling for me (and my clients) than turning their previous experience of being declined for life insurance into an approval for the insurance that they want for their family. For those who have been declined, it’s the same feeling as...
by Ed Hinerman | Nov 17, 2008 | Anxiety, bipolar disorder, decline, Depression, Independent agent, insurance, life insurance, seizure disorder
Still fresh in my mind is the story a client related to me about her experience of being declined for life insurance due to bipolar disorder. This was news to her since she didn’t have bipolar disorder. In talking through the situation with her she did bring up...
by Ed Hinerman | Nov 15, 2008 | Anxiety, bipolar disorder, blood pressure, cholesterol, Depression, diabetes, heart disease, high blood pressure, insurance, life insurance, obesity
Over the years we have offered discussion on how to get the best possible life insurance rates even though your health is less than perfect. The truth is that with perfect health and family history you can probably find good rates at any number of sources and how to...
by Ed Hinerman | Oct 27, 2008 | bipolar disorder, cancer, Independent agent, insurance, life insurance
We certainly have our good days and our bad days in helping those with bipolar disorder obtain life insurance. Fortunately the good does outweigh the bad. I think we do need to throw a reality check water balloon on this party though. I have often mentioned that one...
by Ed Hinerman | Oct 15, 2008 | bipolar disorder, decline, Depression, insurance, life insurance, seizure disorder
What kind of an insane question is that? Let me try a few commonalities that probably come to mind if you have bipolar and and have applied for life insurance. How about….all life insurance underwriters think bipolar disorder is a perfectly good reason to...
by Ed Hinerman | Sep 26, 2008 | bipolar disorder, blood pressure, cholesterol, high blood pressure, hypertension, Independent agent, insurance, life insurance
If anything, I hope I’ve driven home the point over the years that life insurance underwriters look at any health issue not just from a pure mortality standpoint, but from a compliance and control point of view. If you look at the overall bucket of potential...
by Ed Hinerman | Sep 12, 2008 | Anxiety, bipolar disorder, Depression, insurance, life insurance
We have been blessed with a lot of success in helping those with well controlled bipolar disorder, anxiety disorder and depression, find life insurance companies who will, first and foremost, give them a fair hearing and secondly, make fair offers on coverage. I was...
by Ed Hinerman | Aug 19, 2008 | bipolar disorder, insurance, life insurance
WE have been blessed with great success in getting good, competitive life insurance rates for those with bipolar disorder and really had another success on the way, but the client derailed it. Fortunately this is a rare situation because, frankly, working as hard as...
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 | Jul 28, 2008 | bipolar disorder, diabetes, epilepsy, heart disease, Independent agent, insurance, life insurance
I’ve mentioned many times that the large internet agencies are well equipped to pursue and sell the younger age, completely healthy market. It is, for them, an uncomplicated and easy way to keep the cash flowing. It is much quicker and easier than dealing with...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
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