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 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 | 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 | Sep 29, 2010 | insurance, life insurance, private pilots
Buying life insurance can be so easy today that it’s just crazy compared to 30 years ago. If you’re healthy and don’t have any dangerous hobbies you can quickly and easily get the family protection you need from one of the big on line agencies, a...
by Ed Hinerman | Sep 10, 2010 | diabetes, insurance, life insurance, Type 1 diabetes
Proof that underwriting guidelines are 1. Not etched in stone like the 10 commandments and 2. Aren’t consistent from company to company, is shown in how type 1 diabetes is underwritten, particularly adult onset type 1. Type 1 diabetes has long been the unloved...
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 | 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 | Jul 1, 2010 | decline, insurance, life insurance
For most being declined for life insurance feels a little like being convicted of a crime that you didn’t commit. It’s also scary not knowing what to do, whether to try again, whether you will be black balled because of the decline, who knows. The problem...
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 | Mar 23, 2010 | Depression, insurance, life insurance
There’s depression and then there’s depression. I talk to a lot of people who are being treated for mild chronic depression or situational depression and the truth is that from a life insurance underwriting standpoint, there’s not a lot of risk....
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 | 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 | Oct 23, 2009 | insurance, life insurance, no exam
I got an application in the mail yesterday from a Garden State Life It came with a (dang it) non-negotiable sample death benefit check and all of the emotional verbiage they could come up with in order to convince you to act now and don’t take time to check out...
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...
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