by Ed Hinerman | Jun 2, 2010 | Anxiety, Depression, insurance, life insurance
Without going into a lot of detail because this blog really isn’t about me, let me say that I am in the midst of coming to grips with some long term depression issues that I have just kept at bay for the last 15 or so years. Because it’s on my mind I...
by Ed Hinerman | Mar 23, 2010 | Depression, insurance, life insurance
There’s depression and then there’s depression. I talk to a lot of people who are being treated for mild chronic depression or situational depression and the truth is that from a life insurance underwriting standpoint, there’s not a lot of risk....
by Ed Hinerman | Aug 19, 2009 | bipolar disorder, Depression, insurance, life insurance
I’ve written a lot about mood disorders, especially depression over the years. The truth is that depending on the life insurance company, any particular disorder can have an underwriting reaction that can vary all the way from preferred rate classes to declines....
by Ed Hinerman | Jul 14, 2009 | bipolar disorder, Depression, insurance, life insurance
Some life insurance underwriters are easily frightened. It really seems they are too busy “underwriting” to really study the cases they are considering and when they are drawn out of their comfort zone, well, they just go screaming into the dark. I wrote...
by Ed Hinerman | Jun 17, 2009 | Anxiety, bipolar disorder, Depression, insurance, life insurance
You know what really is great about being able to get good rates and place policies in force for those with bipolar disorder? The families are so grateful because of all they’ve been through with the demeaning treatment and declines they have received at the...
by Ed Hinerman | Jun 9, 2009 | Anxiety, bipolar disorder, Depression, insurance, life insurance
I was asked by my office manager this morning if bipolar disorder/manic depressive disorder was more prevalent in people around her age, in her 30’s, than people my age, in my 50’s, because the majority of people who react to our advertising and blogs are...
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 | 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 | 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...
by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
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 | Mar 1, 2009 | AARP, cancer, Depression, diabetes, heart disease, insurance, life insurance, New York Life
I had posed a question to the Latino community a few weeks ago asking whether a life insurance website in Spanish with a direct line to bilingual staff would be something helpful. New York Life recently unveiled exactly what I was talking about. Yes, this is the same...
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 | Jan 12, 2009 | Depression, diabetes, Independent agent, insurance, life insurance, private pilots
Shopping for life insurance is no big trick if you’re healthy, young and boring. This is the one area where the giant on line agencies may actually provide good service. Anything more complicated than young, healthy and boring is definitely where the services of...
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