by Ed Hinerman | Apr 11, 2012 | Alcohol Treatment Life Insurance, Drug Treatment Life Insurance, insurance, life insurance, physicians life insurance
While hardly a problem that is restricted to people in the medical fields, simply based on the number of physicians and dentists I have worked with over the past few years, it seems their easy access to the drugs and or ability to write prescriptions is a growing...
by Ed Hinerman | Feb 23, 2012 | bipolar, bipolar disorder, Depression, insurance, life insurance
The way 99.9% of life insurance companies treat people with bipolar disorder drives me nuts. I’m not talking about an insurance company that fully underwrites an application and finds out something really sketchy in a person’s history. What slays me is...
by Ed Hinerman | Feb 16, 2012 | bipolar disorder, business life insurance, buy/sell life insurance, civilian contractors, disability income, insurance, prostate cancer
If you make $300,000 or less then this post is probably not for you, unless you can envision a time when your income is higher. Traditional disability income insurance will pay, at most, 65% of your income as a benefit, theoretically what you would net post taxes....
by Ed Hinerman | Jan 19, 2012 | Anxiety, bipolar disorder, cholesterol, Depression, high blood pressure, insurance, life insurance
As I come to grips with the fact that I am going to have to switch from Windows XP to Windows 7 and from Outlook Express to Outlook, I am a bit stressed. To bring you up to speed on the kind of stress I am going through, I wrote this post this morning. Because I am...
by Ed Hinerman | Dec 7, 2011 | business life insurance, buy/sell life insurance, cancer, Foreign National Life Insurance, foreign nationals, Infinite banking, insurance, life insurance, whole life
Big giant disclaimer. We have found several highly rated US life insurance companies that will write foreign nationals living in the US and foreign nationals living outside the US. I have kept this fairly low key until I worked through a few cases, one in Jamaica, one...
by Ed Hinerman | Oct 10, 2011 | business life insurance, insurance, key man insurance, life insurance, over 50 life insurance, prostate cancer
I have, over the years, made it quite clear that there are distinct advantages to buying life insurance when you are young and healthy. It’s not that over 50 life insurance suddenly becomes horribly difficult to obtain. for most of us it is just more expensive...
by Ed Hinerman | Jun 28, 2011 | Anxiety, Depression, insurance, life insurance
As any physician, attorney, dentist or CEO will confess, the journey from student to professional is not one for the faint of heart. For many it can be the most stressful part of their life as physicians reach residency and attorneys study for and take bar exams. Much...
by Ed Hinerman | Oct 13, 2010 | Anxiety, insurance, life insurance
In a post some years ago I was talking about underwriting of mild mood disorders and made a flip comment that it seemed about time that underwriters take another look since most of America and likely most of them were on Prozac or Zoloft or Wellbutrin. Well, I’m...
by Ed Hinerman | Jul 29, 2010 | Anxiety, Depression, insurance, life insurance
Situational mood disorders such as stress related anxiety or depression are something that probably all of us have gone through at one point or another. We all fall into one of three groups in this area, 1. Those who muddle their way through and are able to get back...
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