by Ed Hinerman | Dec 28, 2009 | cholesterol, HDL, insurance, life insurance
Life insurance underwriting is kind of like sand dunes. You can take a picture at the beginning of a year and it can be absolutely clear where every grain of sand lies. The exact same picture taken at the end of the year could easily have been taken on another planet....
by Ed Hinerman | Dec 11, 2009 | bipolar disorder, insurance, life insurance
I have been working with a physician who has bipolar disorder and we were declined on our first life insurance application through Transamerica. Trans has pretended to be more aggressive or creative or whatever, on their trials than they actually are on formal...
by Ed Hinerman | Dec 5, 2009 | bipolar, bipolar disorder, insurance, life insurance
It’s December and it’s been an outstanding year in helping those with bipolar disorder find the life insurance they need at affordable prices. Most of our successes have been snatched from the jaws of defeat that other companies have held our clients in....
by Ed Hinerman | Dec 3, 2009 | bipolar disorder, insurance, life insurance
I wrote my first United of Omaha life insurance application in 1978. Those were the days of Mutual of Omaha’s Wild Kingdom, Marlin Perkins and the advent of yearly renewable term insurance. They were a powerhouse company back then with all captive agents and a...
by Ed Hinerman | Dec 1, 2009 | bipolar disorder, insurance, life insurance
I’m as guilty as anyone on this. I go to the doctor and they tell me what’s wrong and what to do about it. I go home and decide that either I’ve got a better idea or at least a cheaper one, so I modify the treatment plan and go on with life....
by Ed Hinerman | Nov 11, 2009 | bipolar, bipolar disorder, Independent agent, insurance, life insurance
This is a theme I have pounded on for some time. There are the obvious cases where, for instance, someone with bipolar disorder who goes to their Farmers insurance agent should not expect a good outcome. Wrong agent with the wrong company. In that case there is no...
by Ed Hinerman | Nov 3, 2009 | bipolar disorder, insurance, life insurance
Once upon a time life insurance underwriting wasn’t as cut and dried, and frankly brutal, as it is today. There was room for flexibility and negotiation and even compassion when working with underwriters. That was way back then….about 4 years ago....
by Ed Hinerman | Oct 30, 2009 | insurance, life insurance, obesity
There is a common misconception, especially among those who have pretty extreme weight issues, that life insurance simply isn’t available. With most, but not all, companies they would be right. Obesity carries with it a lot of mortality baggage that most...
by Ed Hinerman | Oct 26, 2009 | bipolar, bipolar disorder, insurance, life insurance
I’ve talked recently about the United of Omaha “Fit test” crediting program where a person’s health habits and lifestyle can help reduce the price of their life insurance. Well, they bowled a strike on a bipolar disorder term insurance case I...
by Ed Hinerman | Oct 21, 2009 | insurance, life insurance, term insurance
I recently shopped a term insurance case where the results were spread all over the spectrum of responses. Several companies declined to make offers. Some would only say highly rated at best. This was a case where a 39 year old woman had a superior mesenteric artery...
by Ed Hinerman | Oct 14, 2009 | family history, insurance, life insurance
There used to be a lot of companies that had published crediting systems that they would use to determine the final underwriting outcome of a life insurance application. Credits could be earned by anything from exceptional, as opposed to just satisfactory, lab...
by Ed Hinerman | Oct 12, 2009 | 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. No doubt there are times when a medication change does accompany a downward...
by Ed Hinerman | Oct 5, 2009 | arrythmia, insurance, life insurance
We’ve talked on a number of occasions about the dreaded abnormal ekg and how doctors and underwriters can have completely different takes on the abnormality, and actually both of them be right, I came across one of the best and most humorous explanations of the...
by Ed Hinerman | Sep 30, 2009 | insurance, life insurance, Met Life
I got this email just recently: Hi Mr. Hinerman: I have been reading your blog for some time. Just curious, why do I never see MetLife, my company, among your quotes? If you haven’t checked us out in a while you might want to try. Our rating guide for CAD has...
by Ed Hinerman | Sep 22, 2009 | insurance, life insurance, obesity
I had a client just recently who works for State Farm as a claims adjuster and was declined for life insurance by to them due to his obesity. He’s 6’1, 415 pounds. I shouldn’t get down on State Farm over this since by most life insurance company...
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