by Ed Hinerman | May 2, 2011 | bipolar, bipolar disorder, insurance, life insurance
I had my memory tested today when I had a call from a man from the town I grew up in. He introduced himself as Howard Johnson which didn’t ring a bell and then he threw out a few more names that didn’t ring a bell. Then he mentioned that he used to be the...
by Ed Hinerman | Apr 18, 2011 | bipolar, bipolar disorder, insurance, life insurance
I suppose if you are a car dealer, car advertisements get under your skin if they don’t tell the truth. I’ve been enormously disappointed over the years in the way mega agency Selectquote advertises term insurance. They are deceptive at best. After an...
by Ed Hinerman | Mar 23, 2011 | basal cell carcinoma, insurance, life insurance, melanoma
I love to golf. There are very few things that carry that same feeling as a well hit drive or sinking a long putt (or for me not missing a short one), but when we can get a case approved at better than standard rates for someone with a history of melanoma, well,...
by Ed Hinerman | Mar 20, 2011 | gastric bypass, insurance, life insurance, obesity
Let’s face it. Obesity has long had a stigma all its’ own. After all, as the stigma goes, no one held them down and fed them until they were morbidly obese! Lack of self control!! Why don’t they just go on a diet and get off their rears and get some...
by Ed Hinerman | Mar 3, 2011 | bipolar, bipolar disorder, insurance, life insurance
I want to preface this post by saying I am not making light of any problems that Charlie Sheen may be having or any mental issues that he is dealing with. Nor am I judging him. There was a suggestion made in one interview that he might have bipolar disorder which he...
by Ed Hinerman | Feb 19, 2011 | bipolar, bipolar disorder, Depression, insurance, life insurance
I Googled bipolar life insurance today and was struck by the lack of information on how to get approved for life insurance with bipolar disorder or any of the other mood disorders. Don’t get me wrong. There was plenty of information about bipolar disorder,...
by Ed Hinerman | Feb 8, 2011 | Anxiety, bipolar, bipolar disorder, insurance, life insurance
I was involved in an exchange on the Bipolar Disorder Forum of eHealthforum several months ago. A person had been declined for life insurance and wanted to know if that was just the reality of bipolar disorder or if someone knew how to navigate what was turning out to...
by Ed Hinerman | Jan 17, 2011 | Anxiety, Depression, insurance, life insurance
Although I would never say never, in general the major mood disorders such as bipolar disorder and chronic depression are hard to get approved at preferred best rates. We’ve successfully shot that shot in the past and hope to again, but it takes a truly...
by Ed Hinerman | Jan 16, 2011 | bipolar, bipolar disorder, insurance, life insurance
I recently came across a new underwriting twist that would apply primarily to mood disorders such as chronic depression and bipolar disorder, viewing a medication change as a negative event. Would it be better to not try for more stability, not try to improve by...
by Ed Hinerman | Jan 5, 2011 | decline, insurance, life insurance
I’ve always said that a life insurance decline is really not a bad place to start. Obviously it’s more fun to get approved at the best rate the first time around, but most of my clients come to me because they have health issues. They call or email because...
by Ed Hinerman | Jan 4, 2011 | bipolar, bipolar disorder, insurance, life insurance
If you have bipolar disorder and have applied for life insurance then you might assume that life insurance underwriting of bipolar disorder is very straightforward. You apply. You tell them you have bipolar disorder. You get declined. With most companies it really is...
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 29, 2010 | bipolar, bipolar disorder, bypass surgery, heart disease, insurance, life insurance
The term high risk gets thrown around in the life insurance world probably way more than it should. The truth is that with the exception of truly high risk companies like Lloyds of London, life insurance companies would “prefer not to participate” in a...
by Ed Hinerman | Dec 28, 2010 | insurance, life insurance, obesity, Prudential
Now that the results are in and we’ve quietly sneaked on and quickly back off of the scales, let’s talk about what that number means in the world of life insurance. Whether it’s just extra pounds or obesity life insurance is available and at...
by Ed Hinerman | Dec 15, 2010 | coronary artery disease (CAD), decline, life insurance, prostate cancer
I have to admit that if it wasn’t for life insurance applications being declined, we wouldn’t do a lot of business. I’ve shared before that most of our clients come to us because they had life insurance declined elsewhere, or they are afraid that if...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
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