by Ed Hinerman | Dec 6, 2010 | bipolar, bipolar disorder, heart disease, insurance, life insurance
You know how it is when you’re learning to do something new. There’s a hard way to do it and there’s an easy way to do it. Almost without exception the hard way is the one that comes naturally. I’ve been learning for 3 years now how to get...
by Ed Hinerman | Dec 4, 2010 | A1c, bypass surgery, cholesterol, decline, insurance, life insurance
I suppose there are a few people who apply and know for a fact that they will be declined life insurance coverage. I’ve actually had calls from people who were in the hospital having just undergone heart bypass surgery. They asked about getting life insurance,...
by Ed Hinerman | Nov 27, 2010 | bipolar disorder, diabetes, insurance, life insurance, Type 1 diabetes
I have to admit that I very seldom approach a new year with pessimism, but it’s also pretty rare form me to start talking about my optimism when the new year is still a month away. I believe 2011 is going to be a breakthrough, breakaway, record breaking year for...
by Ed Hinerman | Nov 10, 2010 | bipolar disorder, insurance, life insurance
Just like that pink rabbit, I just keep going and going and going. I know I’ve beat this drum seemingly to death, but it seems each time I beat it we reach one of two more people that we can help. Bipolar disorder is one of the most misunderstood underwriting...
by Ed Hinerman | Nov 1, 2010 | bipolar disorder, insurance, life insurance, suicide clause
I think we can all understand why life insurance underwriters might get a little squeamish about approving someone who has attempted suicide, especially if it was in the recent past. But what about suicidal thoughts or ideations with no real action or attempt? When I...
by Ed Hinerman | Oct 20, 2010 | bipolar disorder, insurance, life insurance, mortality risk
I’ve been specializing in “impaired risk” life insurance cases for the past 13 years and often find that people are confused about the term. They can get their mind wrapped around the idea that they have an impairment, but when you add the word risk...
by Ed Hinerman | Oct 13, 2010 | Anxiety, insurance, life insurance
In a post some years ago I was talking about underwriting of mild mood disorders and made a flip comment that it seemed about time that underwriters take another look since most of America and likely most of them were on Prozac or Zoloft or Wellbutrin. Well, I’m...
by Ed Hinerman | Sep 16, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
One of the often asked questions on diabetes forums and blogs is if a person with type one diabetes can get life insurance at all, and if so can it be done at reasonable rates. I recently posted a checklist of criteria that underwriters want to see in order to approve...
by Ed Hinerman | Aug 25, 2010 | bipolar, bipolar disorder, insurance, life insurance
It’s been an interesting 3 years working with bipolar clients and at times tripolar life insurance underwriters, but headway has been made and we are successful in filling our clients needs most of the time. The sad thing for me is that getting approvals without...
by Ed Hinerman | Aug 19, 2010 | decline, insurance, life insurance, mortality
I won’t pretend that being declined for insurance doesn’t carry a sting. A common thought that comes with the decline is, “Do they think I’m about to die, or what”? Some perspective might help and maybe a little insight into how life...
by Ed Hinerman | Aug 6, 2010 | diabetes, high blood pressure, insurance, life insurance
Non compliance, not following doctor’s orders, is a choice we all come face to face with whenever we leave the doctor’s office. Whether it is a recommended followup or additional testing, prescribed medication that needs to be taken as prescribed to be...
by Ed Hinerman | Jul 27, 2010 | Alcohol Treatment Life Insurance, Drug Treatment Life Insurance, insurance, life insurance
Substance abuse treatment and life insurance underwriting are a delicate dance that if done correctly can be both successful in approval and reasonable rates. Having said that, like any impairment, there are parameters that have to be met. Whether self admitted,...
by Ed Hinerman | Jul 14, 2010 | bipolar, bipolar disorder, insurance, life insurance
Most people that read my blog and call or email about life insurance for people with bipolar disorder or other serious mood disorders seem to be in their mid forties and below. Most but not all. We have had a fair number of successful professionals my age (55+),...
by Ed Hinerman | Jun 16, 2010 | bipolar disorder, insurance, life insurance, prostate cancer
Table rated term insurance offers continue to tumble to a standard rate with United of Omaha’s health and lifestyle credit method, what they call their Fit test. I continue to be pleasantly amazed at how the company is honoring this commitment to reward good...
by Ed Hinerman | Jun 7, 2010 | insurance, life insurance, mortality, mortality risk
A lot of people understand why and know that a standard rate approval is coming on life insurance and are happy to get it. On the other side of the coin are those that receive a standard rate approval and are taken aback by it, taking offense to not receiving a better...
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