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 | Dec 23, 2008 | Anxiety, bipolar disorder, Depression, Independent agent, insurance, life insurance
There is probably no better feeling for me (and my clients) than turning their previous experience of being declined for life insurance into an approval for the insurance that they want for their family. For those who have been declined, it’s the same feeling as...
by Ed Hinerman | Nov 17, 2008 | Anxiety, bipolar disorder, decline, Depression, Independent agent, insurance, life insurance, seizure disorder
Still fresh in my mind is the story a client related to me about her experience of being declined for life insurance due to bipolar disorder. This was news to her since she didn’t have bipolar disorder. In talking through the situation with her she did bring up...
by Ed Hinerman | Nov 15, 2008 | Anxiety, bipolar disorder, blood pressure, cholesterol, Depression, diabetes, heart disease, high blood pressure, insurance, life insurance, obesity
Over the years we have offered discussion on how to get the best possible life insurance rates even though your health is less than perfect. The truth is that with perfect health and family history you can probably find good rates at any number of sources and how to...
by Ed Hinerman | Sep 12, 2008 | Anxiety, bipolar disorder, Depression, insurance, life insurance
We have been blessed with a lot of success in helping those with well controlled bipolar disorder, anxiety disorder and depression, find life insurance companies who will, first and foremost, give them a fair hearing and secondly, make fair offers on coverage. I was...
by Ed Hinerman | Jun 26, 2008 | Anxiety, Attention Deficit Disorder, bipolar disorder, decline, Depression, Independent agent, insurance, life insurance
As we’ve discussed many times, good life insurance rates are available if you have bipolar disorder if you meet certain criteria, underwriting guidelines. For the purposes of underwriting, while the companies may call them guidelines, assume they are rules. You...
by Ed Hinerman | May 28, 2008 | Anxiety, bipolar disorder, Depression, diabetes, heart attack, heart disease, hepatitis, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
There must be a couple of million people in the US licensed to sell life insurance. If you take in the giant internet mega agencies, all of the independent agents, and all of the captive agents (work for just one company), the possibilities for purchasing life...
by Ed Hinerman | May 20, 2008 | Anxiety, bipolar disorder, Depression, insurance, life insurance
I don’t know that I was shocked, but certainly took note the other night when, unless my memory is as bad as my wife says, I saw an advertisement for bipolar disorder medication during prime time. The medication is Abilify and I am not posting this to endorse it...
by Ed Hinerman | May 19, 2008 | Anxiety, bipolar disorder, Depression, insurance, life insurance
This is a stressed out world we’re living in and it would be highly unlikely that you don’t know someone suffering from either anxiety or depression, and not too unlikely that the someone could be you. The more pressure the world exerts, the more likely...
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 | 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 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 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 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...
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