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 | Aug 25, 2010 | bipolar, bipolar disorder, insurance, life insurance
It’s been an interesting 3 years working with bipolar clients and at times tripolar life insurance underwriters, but headway has been made and we are successful in filling our clients needs most of the time. The sad thing for me is that getting approvals without...
by Ed Hinerman | Jul 14, 2010 | bipolar, bipolar disorder, insurance, life insurance
Most people that read my blog and call or email about life insurance for people with bipolar disorder or other serious mood disorders seem to be in their mid forties and below. Most but not all. We have had a fair number of successful professionals my age (55+),...
by Ed Hinerman | May 21, 2010 | bipolar, bipolar disorder, insurance, life insurance
I’m working with a new client who ran head long into an all too common source of being declined for life insurance, company sponsored group life insurance. Her issue? Arguably one of the mildest cases of bipolar disorder I’ve worked on. To be sure, almost...
by Ed Hinerman | Apr 29, 2010 | bipolar, bipolar disorder, insurance, life insurance
I’ve gone over and over the criteria for successfully acquiring life insurance if you have bipolar disorder, really any mood disorder, the same criteria posted our bipolar life insurance site. 1. Someone who has not been hospitalized for bipolar disorder other...
by Ed Hinerman | Apr 20, 2010 | bipolar, bipolar disorder, insurance, life insurance
I was just doing a double check on underwriting results today and decided to compare how we’ve done in placing policies with clients who have bipolar disorder versus those who have a history of an eating disorder. Now remember we’re talking about life...
by Ed Hinerman | Apr 15, 2010 | bipolar, bipolar disorder, insurance, life insurance
I recently came across a life insurance blog where the question was asked, “Can a life insurance company cancel a policy within the first two years of inception if (the potential for) suicide is expected?” I tried to comment and answer the question and my...
by Ed Hinerman | Mar 17, 2010 | bipolar, insurance, life insurance
Insurance agents annual reviews have gotten a bad name over the years and with some justification. Some agents see it only as an opportunity to sell more and kind of do service as an aside. But don’t underestimate the value of those annual calls. I know before I...
by Ed Hinerman | Mar 15, 2010 | bipolar, bipolar disorder, insurance, life insurance
I went to the big city with my wife the other day. Now understand that I dislike shopping about as much as a person can, but a couple of times a year I will give in, amuse my wife, and do it with a smile. That is in sharp contrast to shopping for the best life...
by Ed Hinerman | Feb 24, 2010 | bipolar, bipolar disorder, decline, insurance, life insurance
So you just got declined for life insurance and you’ve decided that life insurance companies suck. The truth is you may have just had a goose lay a golden egg for you. So, the good news in a decline? It almost always means that you either had the wrong agent or...
by Ed Hinerman | Feb 6, 2010 | bipolar, bipolar disorder, insurance, life insurance
I was involved in an exchange on the Bipolar Disorder Forum of eHealthforum not too long ago. A person had been declined for life insurance and wanted to know if anyone knew the way out of the jungle. The person asking for help had been declined for life insurance...
by Ed Hinerman | Dec 5, 2009 | bipolar, bipolar disorder, insurance, life insurance
It’s December and it’s been an outstanding year in helping those with bipolar disorder find the life insurance they need at affordable prices. Most of our successes have been snatched from the jaws of defeat that other companies have held our clients in....
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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