by Ed Hinerman | Aug 31, 2015 | ADHD, Anxiety, approval, bipolar disorder, business life insurance, CEO life insurance, compliance, Depression, insurance, life insurance, life insurance approval
I live at the base of Mount Antero here in Colorado (Prospector show on the Weather Channel) and yesterday afternoon hiked up to Brown’s Lake, a twelve mile round trip hike up and down Brown’s Creek. I only went to about 12,000 feet, fairly short of the...
by Ed Hinerman | Sep 23, 2014 | family history, life insurance, life insurance approval, prostate cancer, PSA
I’m working with a former Selectquote life insurance client. He applied through them and his application was postponed due to a PSA (prostate specific antigen) on his life insurance exam labs of 4.67, below 4 being normal. The company wanted the proposed insured...
by Ed Hinerman | Aug 13, 2014 | beneficiary, bipolar, bipolar disorder, Depression, life insurance, suicide clause
In the wake of Robin William’s death I believe he would appreciate some honest and open dialogue about mental illness and in particular his nemesis, bipolar disorder. For anyone that might think I’m just trying to milk a key word moment out of tragedy, you...
by Ed Hinerman | Jun 4, 2013 | approval, bipolar disorder, insurance, life insurance, life insurance approval, Type 1 diabetes
Years ago I put out lists of criteria for different life insurance impairments, lists that were designed as a template, as guidelines for what it takes to get approved by the more progressive impaired risk life insurance companies. What I’ve found is that it...
by Ed Hinerman | Jun 28, 2012 | cancer, insurance, life insurance, prostate cancer, PSA
A real show stopper in the life insurance application process is when a PSA comes back high, or at least elevated compared to previous PSA’s. This has turned into something of a fussing point since, in most cases, life insurance underwriters will postpone an...
by Ed Hinerman | Jan 4, 2012 | bipolar disorder, decline, insurance, life insurance
I was grazing through Twitter today and came across this gem by Miki Strong, “Transparency in biz earns you trust & respect from your ideal client and filters out those who you’re not ideally suited to help”. It was one of those moments like...
by Ed Hinerman | Oct 4, 2011 | American Diabetes Association, diabetes, insurance, life insurance
When I think of what I would want from the American Diabetes Association as a person with diabetes, I’m left wondering if they are anywhere near the advocacy group they claim they are. I go to their website and the first and most prevalent topic I find is how to...
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