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 | 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 | 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 | Aug 19, 2009 | bipolar disorder, Depression, insurance, life insurance
I’ve written a lot about mood disorders, especially depression over the years. The truth is that depending on the life insurance company, any particular disorder can have an underwriting reaction that can vary all the way from preferred rate classes to declines....
by Ed Hinerman | Jul 24, 2009 | bipolar disorder, insurance, life insurance
We have come a long way in the past few years in finding the right companies with the right underwriters to be able to truly reach out and help those with bipolar disorder get affordable life insurance. We will likely never get to the point of being able to help those...
by Ed Hinerman | Jul 21, 2009 | insurance, life insurance, mortality risk
I have often talked about the need, when you have health issues or a health history, to do your homework and make sure you find an independent life insurance agent who understands your health challenge and also understands what companies to go to and what companies to...
by Ed Hinerman | Jul 14, 2009 | bipolar disorder, Depression, insurance, life insurance
Some life insurance underwriters are easily frightened. It really seems they are too busy “underwriting” to really study the cases they are considering and when they are drawn out of their comfort zone, well, they just go screaming into the dark. I wrote...
by Ed Hinerman | Jul 8, 2009 | bipolar, bipolar disorder, insurance, life insurance
To be completely candid and fair when I write about life insurance and mood disorders, mostly bipolar disorder, I have always included a kind of check list on what underwriters do and don’t want to see. I do this……. 1. Someone who has not been...
by Ed Hinerman | Jun 23, 2009 | insurance, life insurance, private pilots
Behind every good man is a good woman the saying goes. That’s certainly true in my life. Also, behind every successful impaired risk life insurance agent is a talented, well connected General Agent. Impaired risk is an industry term that covers the full spectrum...
by Ed Hinerman | Jun 17, 2009 | Anxiety, diabetes, insurance, life insurance, term insurance
Relieve that stress and get away from it all for a little camping. Pictured above is what a few thousand people call getting away from it all every year during the Ride the Rockies bicycle tour. A little bike ride through the mountains with 2000 people. What, are they...
by Ed Hinerman | Jun 17, 2009 | Anxiety, bipolar disorder, Depression, insurance, life insurance
You know what really is great about being able to get good rates and place policies in force for those with bipolar disorder? The families are so grateful because of all they’ve been through with the demeaning treatment and declines they have received at the...
by Ed Hinerman | Jun 9, 2009 | Anxiety, bipolar disorder, Depression, insurance, life insurance
I was asked by my office manager this morning if bipolar disorder/manic depressive disorder was more prevalent in people around her age, in her 30’s, than people my age, in my 50’s, because the majority of people who react to our advertising and blogs are...
by Ed Hinerman | Jun 2, 2009 | diabetes, insurance, life insurance, term insurance
No, no. I don’t really think I’m special. Family nickname and joke. “Ed’s done so well they named an entire school curriculum after him.” Ha Ha! Today I want to reflect on this, my 1000th post, and the journey and events of the last 2 1/2...
by Ed Hinerman | May 19, 2009 | Banner Life, bipolar, bipolar disorder, Depression, insurance, life insurance
Most of the life insurance cases I work are shopped to multiple companies just so I can be assured that the insurance quote I am providing really is going to be as good as it gets and ultimately the client gets the most bang for their buck. When I shop I am looking...
by Ed Hinerman | May 12, 2009 | Anxiety, bipolar, bipolar disorder, Depression, Independent agent, insurance, insurance quotes, life insurance
We’ve done a lot of work for clients with mild to moderate, usually situational, depression or anxiety disorders. The truth is the more crazed and frenetic our society and lifestyle become, the more people are looking for a little bit of help coping. It’s...
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