by Ed Hinerman | Aug 22, 2008 | Depression, Independent agent, insurance, life insurance
I doubt there are any of us who have not been through some period of situational depression and while depression can come in many colors and sizes, I think it is important to define it and talk about it in the context of life insurance. Common causes of situational...
by Ed Hinerman | Jul 31, 2008 | Attention Deficit Disorder, bipolar disorder, Depression, insurance, life insurance
I’ve often mentioned that getting approval and good rates on life insurance is a matter of the right agent in combination with the right company. The other key to success is an application that is properly thought out and presented. A case in point is a client...
by Ed Hinerman | Jun 26, 2008 | Anxiety, Attention Deficit Disorder, bipolar disorder, decline, Depression, Independent agent, insurance, life insurance
As we’ve discussed many times, good life insurance rates are available if you have bipolar disorder if you meet certain criteria, underwriting guidelines. For the purposes of underwriting, while the companies may call them guidelines, assume they are rules. You...
by Ed Hinerman | Jun 17, 2008 | Attention Deficit Disorder, bipolar disorder, Depression, Independent agent, insurance, life insurance
ADHD (Attention Deficit Hyperactivity Disorder) is more commonly associated with children, and for good reason. Raising any child is a challenge. Even the best of them is a handful. Having raised a son with ADHD I can tell you that it’s kind of like fireworks,...
by Ed Hinerman | May 28, 2008 | Anxiety, bipolar disorder, Depression, diabetes, heart attack, heart disease, hepatitis, Independent agent, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
There must be a couple of million people in the US licensed to sell life insurance. If you take in the giant internet mega agencies, all of the independent agents, and all of the captive agents (work for just one company), the possibilities for purchasing life...
by Ed Hinerman | May 20, 2008 | Anxiety, bipolar disorder, Depression, insurance, life insurance
I don’t know that I was shocked, but certainly took note the other night when, unless my memory is as bad as my wife says, I saw an advertisement for bipolar disorder medication during prime time. The medication is Abilify and I am not posting this to endorse it...
by Ed Hinerman | May 19, 2008 | Anxiety, bipolar disorder, Depression, insurance, life insurance
This is a stressed out world we’re living in and it would be highly unlikely that you don’t know someone suffering from either anxiety or depression, and not too unlikely that the someone could be you. The more pressure the world exerts, the more likely...
by Ed Hinerman | May 9, 2008 | Anxiety, bipolar disorder, Depression, Independent agent, insurance, life insurance
I was recently contacted by a person who had been declined by an insurance company (pretty much an every day occurrence here). This person had been treated for depression for quite a while, but successfully treated. The person was leading a normal, stable life....
by Ed Hinerman | May 6, 2008 | cancer, Depression, diabetes, heart disease, Independent agent, insurance, life insurance
It’s really as simple as this. Is your life insurance agent driven solely by the money he will make from the sale, or is there something larger and more important? Is, perhaps, your life insurance agent driven by a passion for what life insurance is all about...
by Ed Hinerman | Apr 14, 2008 | Anxiety, bipolar disorder, Depression, diabetes, epilepsy, heart disease, insurance, life insurance
I wouldn’t presume to beat a dead horse, but so seldom is there any significant shift in life insurance underwriting that it bears as much good press as it can stand. While life insurance companies have, for a long time, been fairly tolerant of mild situational...
by Ed Hinerman | Apr 4, 2008 | children's life insurance, Depression, insurance, life insurance
How can you charge so much money for the education it takes to become a doctor and never teach them about the impact of poorly kept medical records? There is a huge problem in the integrity of the information that is put into medical records. It runs from casually...
by Ed Hinerman | Apr 3, 2008 | Anxiety, bipolar disorder, Depression, Independent agent, insurance, life insurance
40 years ago it was a rare thing to hear of someone who was on medication for depression. Of course back then people really didn’t talk about “those kind†of problems very openly. Treatment options were generally restricted to visiting a psychologist, therapist,...
by Ed Hinerman | Mar 13, 2008 | bipolar disorder, cancer, Depression, diabetes, heart attack, Independent agent, insurance, life insurance, private pilots
I’ve often discussed the fact that out of the nearly 2000 companies that purport to be in the life insurance business, there are only a handful, maybe 2% that are serious about working to get you the best deal. When you throw in health issues of any consequence...
by Ed Hinerman | Mar 11, 2008 | Anxiety, bipolar disorder, Depression, Independent agent, insurance, life insurance
I know I’ve been beating this drum quite a bit, but the word needs to get out. Having bipolar disorder is not the frosting on a decline cake if you need life insurance. Can everyone qualify for good life insurance rates with bipolar? I won’t even tell you...
by Ed Hinerman | Feb 15, 2008 | Depression, heart attack, insurance, life insurance
I admit that I am something of a whiner when it comes to cold and snow. I am often asked, if that’s true, why I live in Colorado? The answer lies mostly outside the winter months. Snow has been building up, or at least not going away since late November. A few...
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