by Ed Hinerman | Nov 11, 2009 | bipolar, bipolar disorder, Independent agent, insurance, life insurance
This is a theme I have pounded on for some time. There are the obvious cases where, for instance, someone with bipolar disorder who goes to their Farmers insurance agent should not expect a good outcome. Wrong agent with the wrong company. In that case there is no...
by Ed Hinerman | Oct 26, 2009 | bipolar, bipolar disorder, insurance, life insurance
I’ve talked recently about the United of Omaha “Fit test” crediting program where a person’s health habits and lifestyle can help reduce the price of their life insurance. Well, they bowled a strike on a bipolar disorder term insurance case I...
by Ed Hinerman | Jul 8, 2009 | bipolar, bipolar disorder, insurance, life insurance
To be completely candid and fair when I write about life insurance and mood disorders, mostly bipolar disorder, I have always included a kind of check list on what underwriters do and don’t want to see. I do this……. 1. Someone who has not been...
by Ed Hinerman | May 21, 2009 | bipolar, bipolar disorder, insurance, life insurance
I read a post on Twitter @bpluv today that really kind of drives home one of the points that I’ve been trying to make about the bipolar disorder/life insurance experience. It starts with the oh so true supposition that “Mental illness doesn’t make me...
by Ed Hinerman | May 19, 2009 | Banner Life, bipolar, bipolar disorder, Depression, insurance, life insurance
Most of the life insurance cases I work are shopped to multiple companies just so I can be assured that the insurance quote I am providing really is going to be as good as it gets and ultimately the client gets the most bang for their buck. When I shop I am looking...
by Ed Hinerman | May 12, 2009 | Anxiety, bipolar, bipolar disorder, Depression, Independent agent, insurance, insurance quotes, life insurance
We’ve done a lot of work for clients with mild to moderate, usually situational, depression or anxiety disorders. The truth is the more crazed and frenetic our society and lifestyle become, the more people are looking for a little bit of help coping. It’s...
by Ed Hinerman | May 1, 2009 | bipolar, bipolar disorder, insurance, life insurance, seizure disorder, West Coast Life
We launched our first attempt at a Google adwords advertising campaign targeted specifically to those with bipolar disorder today. As our success grows in helping this under served, over abused group of people our hope is that we can reach even more with the good...
by Ed Hinerman | Apr 30, 2009 | bipolar, bipolar disorder, diabetes, insurance, life insurance, obesity, term insurance
Some of the life insurance leads I work are faxed advertisements that show a grid of preferred plus prices based on different ages and amounts of insurance. It clearly states at the top of the grid that these are “The lowest rates that exist. Preferred plus term...
by Ed Hinerman | Apr 24, 2009 | basal cell carcinoma, bipolar, bipolar disorder, blood pressure, decline, diabetes, high blood pressure, insurance, life insurance, obesity, Sleep apnea
Compliance and control! I haven’t beat that drum in a while, but that doesn’t change the fact that those two issues are the major underwriting issues in almost all life insurance applications where health is less than perfect. I have used that soapbox most...
by Ed Hinerman | Apr 21, 2009 | bipolar, bipolar disorder, disability, insurance, life insurance
Here in the Rockies we have avalanches and then we have these small chunks of snow that break loose and roll down slopes forming pinwheel looking things. Some of them look kind of like a cinnamon roll. Well, that was a weird way to start to say that our efforts and...
by Ed Hinerman | Apr 15, 2009 | bipolar, bipolar disorder, breast cancer, cancer, coronary artery disease (CAD), decline, Depression, Independent agent, insurance, life insurance, obesity, Sleep apnea
I’ve certainly questioned the IQ of more than one life insurance underwriter over the years. I may have even insinuated that a few didn’t even make into on to the IQ scale. But the truth is there are two types of underwriters working on life insurance...
by Ed Hinerman | Apr 7, 2009 | bipolar, bipolar disorder, insurance, life insurance, mortality, mortality risk
If it wasn’t such a great success story I would probably just quit talking about it, but we have already been able to help more people with bipolar disorder in the first quarter of this year than we did all last year. The word is getting out. A client who...
by Ed Hinerman | Mar 30, 2009 | asthma, bipolar, bipolar disorder, blood pressure, cancer, decline, diabetes, high blood pressure, Independent agent, insurance, life insurance, mortality, mortality risk, prostate cancer, Type 2 diabetes
It’s just a bad feeling when a life insurance company declines to offer you coverage. They don’t want to accept the mortality risk!! Do they think you’re dying? Is there something your doctor isn’t telling you? Will you ever be able to get life...
by Ed Hinerman | Mar 25, 2009 | bipolar, bipolar disorder, insurance, life insurance, term insurance
I can tell you that this is a bell that I never get tired of ringing simply because it has ended an often insulting journey and given new hope to someone who carries the stigma of having bipolar disorder. I got an email within the last hour of approval on a life...
by Ed Hinerman | Mar 22, 2009 | bipolar, bipolar disorder, breast cancer, cancer, Depression, diabetes, heart attack, insurance, life insurance, prostate cancer
I am 56 and I can tell you honestly that 3 years ago I had never read a blog, didn’t know what it was or what it was for. I just knew that for my business to grow, for us to reach more and more people blocked out of life insurance for the same old reasons by the...
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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