by Ed Hinerman | May 9, 2008 | Anxiety, bipolar disorder, Depression, Independent agent, insurance, life insurance
I was recently contacted by a person who had been declined by an insurance company (pretty much an every day occurrence here). This person had been treated for depression for quite a while, but successfully treated. The person was leading a normal, stable life....
by Ed Hinerman | May 6, 2008 | cancer, Depression, diabetes, heart disease, Independent agent, insurance, life insurance
It’s really as simple as this. Is your life insurance agent driven solely by the money he will make from the sale, or is there something larger and more important? Is, perhaps, your life insurance agent driven by a passion for what life insurance is all about...
by Ed Hinerman | Apr 14, 2008 | Anxiety, bipolar disorder, Depression, diabetes, epilepsy, heart disease, insurance, life insurance
I wouldn’t presume to beat a dead horse, but so seldom is there any significant shift in life insurance underwriting that it bears as much good press as it can stand. While life insurance companies have, for a long time, been fairly tolerant of mild situational...
by Ed Hinerman | Apr 4, 2008 | children's life insurance, Depression, insurance, life insurance
How can you charge so much money for the education it takes to become a doctor and never teach them about the impact of poorly kept medical records? There is a huge problem in the integrity of the information that is put into medical records. It runs from casually...
by Ed Hinerman | Apr 3, 2008 | Anxiety, bipolar disorder, Depression, Independent agent, insurance, life insurance
40 years ago it was a rare thing to hear of someone who was on medication for depression. Of course back then people really didn’t talk about “those kind†of problems very openly. Treatment options were generally restricted to visiting a psychologist, therapist,...
by Ed Hinerman | Mar 13, 2008 | bipolar disorder, cancer, Depression, diabetes, heart attack, Independent agent, insurance, life insurance, private pilots
I’ve often discussed the fact that out of the nearly 2000 companies that purport to be in the life insurance business, there are only a handful, maybe 2% that are serious about working to get you the best deal. When you throw in health issues of any consequence...
by Ed Hinerman | Mar 11, 2008 | Anxiety, bipolar disorder, Depression, Independent agent, insurance, life insurance
I know I’ve been beating this drum quite a bit, but the word needs to get out. Having bipolar disorder is not the frosting on a decline cake if you need life insurance. Can everyone qualify for good life insurance rates with bipolar? I won’t even tell you...
by Ed Hinerman | Feb 15, 2008 | Depression, heart attack, insurance, life insurance
I admit that I am something of a whiner when it comes to cold and snow. I am often asked, if that’s true, why I live in Colorado? The answer lies mostly outside the winter months. Snow has been building up, or at least not going away since late November. A few...
by Ed Hinerman | Feb 13, 2008 | bipolar disorder, breast cancer, cancer, Depression, diabetes, heart disease, Independent agent, insurance, life insurance, prostate cancer, term insurance
There are so many options to shop for your life insurance needs, each making the claim that they will save you money. Save 70% on your term insurance! Hundreds of companies to choose from! Give us 10 minutes and you could save hundreds of dollars on term life...
by Ed Hinerman | Feb 5, 2008 | Anxiety, bipolar disorder, Depression, heart attack, insurance, life insurance
There are times when I wonder how any one in this world can live without have some degree of anxiety. I know I was just a kid back, but I don’t remember the 50’s and 60’s, or for that matter the 70’s being overly stressful. Then came the...
by Ed Hinerman | Feb 3, 2008 | Anxiety, bipolar disorder, Depression, insurance, life insurance
I read a list of lifestyle choices today that, if most of us instituted them in our lives, would probably make positive changes. Oddly enough, the list came from Bipolar.com, an excellent site for those with bipolar or those living with someone who has bipolar...
by Ed Hinerman | Jan 29, 2008 | Depression, insurance, life insurance, Sleep apnea
Fatigue, lack of concentration and irritability. All classic symptoms of depression. Also, all classic symptoms of sleep apnea. In a New York Times article “Remedy for Sleep Apnea May Lift Depression’s Veil”, the similarity and ways to peel away the...
by Ed Hinerman | Jan 28, 2008 | bipolar disorder, Depression, diabetes, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
With my 2007 reward for Redundiferous Excellence safely tucked away on my office shelf, I am, like Tiger Woods and the Fedex Cup, shooting for two in a row. I hope that I have left no chance unturned to drive home the point that life insurance underwriters want to see...
by Ed Hinerman | Jan 18, 2008 | bipolar disorder, Depression, insurance, life insurance
Being a life long Rocky Mountain guy, if I were ever asked to describe depression in picture form, I would probably start with, “imagine you’re in the Northwest”… I’ve been here for a week and am suffering from lack of solar gain....
by Ed Hinerman | Jan 5, 2008 | cancer, Depression, insurance, life insurance, prostate cancer
Prostate cancer treated in early stages has a high survival rate. Whether by radical prostectomy, radioactive seed implant or external beam radiation therapy, most treatments are succuessful if the cancer is caught early. More advanced or aggressive prostate cancer is...
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