by Ed Hinerman | Jul 15, 2016 | ADHD, Attention Deficit Disorder, bipolar, bipolar disorder, business life insurance, CEO life insurance, executives, insurance, life insurance, life insurance approval
I had a situation come up about a month ago, just a few days after being diagnosed bipolar II. It was amazing how quickly that diagnosis snapped a good bit of my teen and adult years into focus and I think in a lot of ways pointed a light at my business success and my...
by Ed Hinerman | Jun 17, 2016 | bipolar, bipolar disorder, business life insurance, CEO life insurance, Depression, HIV life insurance, insurance, life insurance
I thought I was going to be famous when I figured out how to play a game of Monopoly, not even life insurance Monopoly, with four people in under a half hour, beginning to end. I think we could add Life insurance and make the game shorter. Just put one square out...
by Ed Hinerman | Jan 29, 2016 | application process, approval, bipolar disorder, business life insurance, CEO life insurance, decline, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
Ah, the sting of being declined or being rated practically to death when you apply for life insurance. Do they really think you are on death’s door or do they just dislike you personally? Perhaps that life insurance company has a quota that limits the amount of...
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 | Oct 28, 2015 | ADHD, Anxiety, approval, bipolar disorder, business life insurance, CEO life insurance, Depression, insurance, life insurance, life insurance approval, mortality risk, physicians life insurance
Life insurance companies are so burdened with their responsibility to clients to underwrite them fairly and offer the best price possible, and their responsibility to share holders to maximize profits by bringing in new business (competition) and cutting expenses...
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 | May 20, 2015 | ADHD, Anxiety, approval, Attention Deficit Disorder, bipolar, bipolar disorder, CEO life insurance, Depression, impaired risk life insurance, insurance, life insurance, life insurance approval, mood disorder life insurance, physicians life insurance
It’s been a long time since I addressed the topic of the beating that professionals, from physicians to attorneys to CEO’s take on life insurance if they have ever even been suspected of having a mood disorder. The way life insurance underwriting jumps all...
by Ed Hinerman | May 5, 2015 | bipolar, bipolar disorder, business life insurance, CEO life insurance, decline, Depression, impaired risk life insurance, insurance, life insurance, life insurance approval, life insurance underwriting
So we’re all familiar with the manic and depressive swings that are the hall mark of bipolar disorder. Some are subtle and manifest as people that work like crazy and then need down time to recover. The more severe bipolar manifestations are manic on the out of...
by Ed Hinerman | Jan 29, 2015 | Anxiety, bipolar disorder, Depression, impaired risk life insurance, insurance, life insurance, life insurance approval, life insurance underwriting
I’ve seen some pretty silly assumptions made by life insurance underwriters in the mood disorder arena, anxiety, ADD, depression, OCD and bipolar disorder. Not that long ago a client came to me after being declined because she took Lamictal for depression....
by Ed Hinerman | Jan 20, 2015 | business life insurance, buy/sell life insurance, customer service, impaired risk life insurance, Independent agent, insurance, International Business insurance, life insurance, life insurance approval, private pilots
I, we, Hinerman Group, just completed our reunification move to Colorado. Every once in a while I make bad decisions (moving to NM where it rains), but I am more known for my brilliance (coming back to CO where it snows). With that move I am promising more of the same...
by Ed Hinerman | Oct 28, 2014 | budget, cash value, guaranteed level premium, impaired risk life insurance, insurance, life insurance, life insurance underwriting, term insurance
Ah, the good old days. Milk was 50 cents a gallon. Gas was 25 cents a gallon. A new car was under $2000. And life insurance, well, life insurance was so expensive that people had to pay for it by the week. The good old days of life insurance are where we are. In spite...
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 | Feb 6, 2014 | Depression, diabetes, HIV life insurance, HIV Positive, Independent agent, insurance, life insurance, life insurance approval, Type 1 diabetes
And when I answer the phone, and it’s me who answers it, I truly want to know just that. How can I help you? If you found me you probably have already experienced life insurance agents who couldn’t help you or wouldn’t help you. You may have suffered...
by Ed Hinerman | Dec 26, 2013 | bipolar, bipolar disorder, CEO life insurance, insurance, insurance quotes, life insurance, life insurance approval
If being approved for life insurance was guaranteed then there would be no need for independent life insurance agents that specialize in impaired risk underwriting and know how to pick up the pieces after an underwriting train wreck and get things back on track. The...
by Ed Hinerman | Nov 25, 2013 | bipolar, bipolar disorder, decline, Depression, HIV life insurance, insurance, life insurance, life insurance approval, prostate cancer
With all the great things happening on so many fronts I thought it prudent to bring things up to date on mood disorder life insurance and specifically the continued success we are having placing well controlled bipolar disorder. Even with major breakthroughs in life...
Recent Comments