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 8, 2008 | bipolar disorder, breast cancer, cancer, diabetes, heart attack, Independent agent, insurance, life insurance, Type 1 diabetes
I’ve mentioned before that there is a problem in the life insurance business. Pure and simple, it’s greed. Agents are so protective of a potential sale that they will actually tell a customer they are uninsurable, rather than admit they are the wrong agent for the...
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 29, 2008 | bipolar disorder, diabetes, insurance, life insurance
You think I get excited about this stuff. You should talk to the people who have been battling the bipolar/life insurance battle for years and getting their rears kicked by insurance companies. They keep getting told that they are bipolar, therefore they are...
by Ed Hinerman | Mar 21, 2008 | bipolar disorder, blood pressure, diabetes, high blood pressure, Independent agent, insurance, life insurance
We have talked a lot about and frankly I am excited about the results we are getting for clients with bipolar disorder with their applications for life insurance. Where the need seems to be the greatest is among professionals and business people who need substantial...
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 | Mar 2, 2008 | bipolar disorder, diabetes, insurance, life insurance, term insurance, Type 1 diabetes, Type 2 diabetes
There’s really never been bad news when it comes to life insurance underwriting of type 2 diabetes. Would people with diabetes like to pay less for life insurance? Of course they would, which puts them in the same boat with all of us who don’t have...
by Ed Hinerman | Feb 26, 2008 | bipolar disorder, blood pressure, cholesterol, diabetes, heart disease, high blood pressure, Independent agent, insurance, life insurance, obesity
Let me just reiterate from previous posts that if you have bipolar disorder, you can expect for almost all life insurance companies to decline you. They don’t care to what degree the disorder impacts your life. They put the completely functional CEO of a company...
by Ed Hinerman | Feb 19, 2008 | bipolar disorder, diabetes, epilepsy, heart disease, high blood pressure, hypertension, Independent agent, insurance, life insurance
As the word sneaks out a little further each day, I have more and more people contacting me and asking if it’s true. Can they get life insurance at affordable rates even though they have bipolar disorder? I wish I could claim that the answer is unequivocally...
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 11, 2008 | bipolar disorder, cholesterol, high blood pressure, insurance, life insurance, obesity
Report after report talk about rampant, out of control obesity. MacDonald’s is to blame. Television and video games are to blame. I’m sure there are reports out there that directly blame my mother’s chocolate chip cookies. Somehow I ate them and...
by Ed Hinerman | Feb 8, 2008 | bipolar disorder, diabetes, heart disease, Independent agent, insurance, life insurance, obesity
I have often made the life insurance underwriting comparison between diabetes and bipolar disorder. In simple terms, what is needed to get the best possible rates is compliance with prescribed treatment and good control. The good control is of course different with...
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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