by Ed Hinerman | May 28, 2016 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance, mood disorder life insurance
I guess I certainly never claimed I was mood disorder free and in fact sometime during the life of this blog I likely owned up to long term mild depression and maybe a bit of anxiety. And until this last November I would have stuck to that story and made that my final...
by Ed Hinerman | Jan 26, 2016 | ADHD, Anxiety, approval, bipolar disorder, breast cancer, business life insurance, CEO life insurance, compliance, decline, Depression, insurance, life insurance, life insurance approval, physicians life insurance
Now there’s a calming thought. You’re still alive, traumatized from head to toe from a car to moose gathering on the highways of Maine and you’ve made it to the hospital. The doctor and nurse start working and you relax as you know that you are with...
by Ed Hinerman | Sep 23, 2013 | Attention Deficit Disorder, bipolar disorder, Depression, insurance, life insurance, life insurance approval
I am so glad that a life insurance company came clean with me this last week and admitted that, yes, they had in fact changed their stance on underwriting of bipolar disorder life insurance and other mood disorders as well. They admitted that a case that they had...
by Ed Hinerman | Nov 26, 2012 | Anxiety, bipolar disorder, Depression, gastric bypass, insurance, life insurance, life insurance approval, mortality, mortality risk, obesity
Let me start out by saying that traditional life insurance underwriting doesn’t reward treatment of health issues. That is as in DOES NOT reward. There are still life insurance companies out there that will whack a client like a golf ball for taking medication...
by Ed Hinerman | Sep 29, 2012 | Alcohol Treatment Life Insurance, Anxiety, application process, approval, insurance, life insurance, life insurance approval
Drop the word insurance out of there and reality is that with success in life comes challenges that even the most on the ball folks aren’t ready for. How a person deals with those challenges can affect how they are perceived when they apply for life insurance....
by Ed Hinerman | Jun 18, 2012 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance
Some years ago I had a client who really hit on a hot button for professionals like her as a physician and others who wore hats from CEO’s to attorneys, dentists and even psychiatrists. In the original case it had to do with a physician who had taken an anti...
by Ed Hinerman | Feb 15, 2012 | Anxiety, decline, insurance, life insurance
It’s no secret that by far the majority of my non private pilot clients have been declined for life insurance before they came to me. There is just something about being declined that is personal, a little humiliating, maybe scary and really ticks people off....
by Ed Hinerman | Jan 7, 2012 | Anxiety, bipolar disorder, Depression, ING Reliastar, insurance, life insurance
I’ve talked in the past about how some companies will come on like they want to be the industry leader in a niche, only to fall of the radar completely a year or two later. The supposition on my part is that they either hired a new chief underwriter who put a...
by Ed Hinerman | Oct 26, 2011 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance
Ok, so occasionally I’m like a broken record (dated myself on that one) and can’t quite let go of an injustice. My Mom thinks that’s a good thing and my wife says as long as it doesn’t affect my blood pressure she’s good with it…so...
by Ed Hinerman | Oct 20, 2011 | Anxiety, bipolar, bipolar disorder, insurance quotes, life insurance
Gosh. It’s been a while since I’ve talked about bipolar disorder life insurance and the continued success we are having placing reasonably priced life insurance for bipolar and the whole gamut of mood disorders. Since it has been a while let’s review...
by Ed Hinerman | Aug 31, 2011 | Anxiety, Depression, insurance, life insurance, physicians life insurance
What are there, 300 million plus a few people in the United States now? And the best guess I found is that 10’s of millions have mood disorders to one degree or another. Personally I think that may be an understatement. Tens of millions treated and untreated? 1...
by Ed Hinerman | Jun 28, 2011 | Anxiety, Depression, insurance, life insurance
As any physician, attorney, dentist or CEO will confess, the journey from student to professional is not one for the faint of heart. For many it can be the most stressful part of their life as physicians reach residency and attorneys study for and take bar exams. Much...
by Ed Hinerman | May 11, 2011 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance
When you consider the opposite of stable is unstable it makes it easier to understand why life insurance underwriting uses stability as a benchmark for approval and rates for all mood disorder underwriting. Whether it is depression, anxiety or bipolar disorder life...
by Ed Hinerman | Dec 31, 2010 | Anxiety, Depression, insurance, life insurance
I won’t go so far as to say that you have to have a life insurance agent with a mood disorder, but when it comes to successful underwriting of anxiety or depression life insurance applications need to be handled correctly. An agent’s understanding of the...
by Ed Hinerman | Dec 30, 2010 | insurance, life insurance
You have to understand that life insurance agents don’t get paid unless they deliver an approved policy and the policy is paid and put into force. So the lies (incorrect answers) that clients in answer to life insurance application questions generally impact us...
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