by Ed Hinerman | Jun 2, 2010 | Anxiety, Depression, insurance, life insurance
Without going into a lot of detail because this blog really isn’t about me, let me say that I am in the midst of coming to grips with some long term depression issues that I have just kept at bay for the last 15 or so years. Because it’s on my mind I...
by Ed Hinerman | May 21, 2010 | bipolar, bipolar disorder, insurance, life insurance
I’m working with a new client who ran head long into an all too common source of being declined for life insurance, company sponsored group life insurance. Her issue? Arguably one of the mildest cases of bipolar disorder I’ve worked on. To be sure, almost...
by Ed Hinerman | Apr 29, 2010 | bipolar, bipolar disorder, insurance, life insurance
I’ve gone over and over the criteria for successfully acquiring life insurance if you have bipolar disorder, really any mood disorder, the same criteria posted our bipolar life insurance site. 1. Someone who has not been hospitalized for bipolar disorder other...
by Ed Hinerman | Apr 20, 2010 | bipolar, bipolar disorder, insurance, life insurance
I was just doing a double check on underwriting results today and decided to compare how we’ve done in placing policies with clients who have bipolar disorder versus those who have a history of an eating disorder. Now remember we’re talking about life...
by Ed Hinerman | Apr 15, 2010 | bipolar, bipolar disorder, insurance, life insurance
I recently came across a life insurance blog where the question was asked, “Can a life insurance company cancel a policy within the first two years of inception if (the potential for) suicide is expected?” I tried to comment and answer the question and my...
by Ed Hinerman | Mar 17, 2010 | bipolar, insurance, life insurance
Insurance agents annual reviews have gotten a bad name over the years and with some justification. Some agents see it only as an opportunity to sell more and kind of do service as an aside. But don’t underestimate the value of those annual calls. I know before I...
by Ed Hinerman | Mar 15, 2010 | bipolar, bipolar disorder, insurance, life insurance
I went to the big city with my wife the other day. Now understand that I dislike shopping about as much as a person can, but a couple of times a year I will give in, amuse my wife, and do it with a smile. That is in sharp contrast to shopping for the best life...
by Ed Hinerman | Feb 24, 2010 | bipolar, bipolar disorder, decline, insurance, life insurance
So you just got declined for life insurance and you’ve decided that life insurance companies suck. The truth is you may have just had a goose lay a golden egg for you. So, the good news in a decline? It almost always means that you either had the wrong agent or...
by Ed Hinerman | Feb 23, 2010 | insurance, life insurance, term insurance
It’s probably been close to a year since I first mentioned the United of Omaha (Mutual of Omaha) lifestyle crediting program for life insurance underwriting called the Fit test. The Fit test provides the underwriter plenty of ammunition to approve a policy at...
by Ed Hinerman | Feb 18, 2010 | bipolar disorder, insurance, life insurance
Life insurance is not underwritten based on your take on your health or your mental state. If it was the case, everyone would be approved at preferred plus. We have built a very good reputation over the years for being able to turn declined life insurance applications...
by Ed Hinerman | Feb 6, 2010 | bipolar, bipolar disorder, insurance, life insurance
I was involved in an exchange on the Bipolar Disorder Forum of eHealthforum not too long ago. A person had been declined for life insurance and wanted to know if anyone knew the way out of the jungle. The person asking for help had been declined for life insurance...
by Ed Hinerman | Jan 14, 2010 | Anxiety, insurance, life insurance
USAA is one of the biggest insurance companies in the country. Their ratings are enviable and their reputation is impeccable, except for one large chink in their armor. They stink at underwriting. Like a lot of large auto and homeowners insurance companies, USAA makes...
by Ed Hinerman | Jan 6, 2010 | cancer, insurance, life insurance
I worked on an interesting case several years ago, a doctor who had a history of high grade non Hodgkin’s Lymphoma. He had undergone chemo and radiation and had not had a recurrence in several years, I think it was six at the time. What made the case a little...
by Ed Hinerman | Jan 4, 2010 | A1c, bipolar disorder, insurance, life insurance
There are plenty of people who would argue that 2009 could have been flushed down the toilet and not missed, and my prayers go out to all of those whose lives were derailed by the recession. For those I wish a dramatically better new year. But, when it comes to life...
by Ed Hinerman | Dec 30, 2009 | insurance, life insurance, obesity, Sleep apnea
I was working with a client on quotes the other day and he was telling me about a friend who had decided not to even pursue life insurance because he was convinced that he was probably not insurable. You know it’s kind of like that old saying, “The only...
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!
Recent Comments