Browse: Home / bipolar disorder
By Ed Hinerman on November 30, 2012
Being in the impaired risk end of the life insurance business, and specializing in helping people who aren’t having any fun with their life insurance experience, almost everyone who calls or emails me has on thing in common. The have unfortunately allowed the wrong agent to take their application to the wrong company and, no ...read more
Posted in approval, bipolar disorder, decline, gastric bypass, insurance, life insurance, life insurance approval, Type 1 diabetes | Tagged 2000 companies, 6 understand 21st century underwriting, 6 understand modern medicine, being approved, civlian contractor Afghanistan life insurance, decline life insurance, focus your search, good knowledge of your impairment, impaired risk life insurance, insurance, key words, key words to attract traffic, life insurance, type 1 diabetes life insurance, use the internet, wrong agent, wrong company, wrong life insurance outcome
By Ed Hinerman on November 26, 2012
Let me start out by saying that traditional life insurance underwriting doesn’t reward treatment of health issues. That is as in DOES NOT reward. There are still life insurance companies out there that will whack a client like a golf ball for taking medication to control high blood pressure. It may only be one rate ...read more
Posted in Anxiety, bipolar disorder, Depression, gastric bypass, insurance, life insurance, life insurance approval, mortality, mortality risk, obesity | Tagged Anxiety, bipolar disorder, blood pressure, common sense to reward, controlled bipolar disorder looks normal, cure type 2 diabetes, Depression, gastric bypass, gastric bypass life insurance, high blood pressure, insurance, insurance doesn't reward treatment, life insurance, minor mood disorders, mortality risk, obesity, obesity health baggage, reward those who take health seriously
By Ed Hinerman on November 6, 2012
I am more amazed every day at the huge misconception there seems to be in our country about the face of bipolar disorder and what it most certainly means when it comes to trying to be approved for life insurance. To give you a sense where most life insurance companies rate bipolar on their underwriting ...read more
Posted in approval, bipolar, bipolar disorder, decline, executives, impaired risk life insurance, insurance, life insurance | Tagged affordable rates, better than average mortality risk, bipolar life insurance, CEO bipolar life insurance, declined for taking Lamictal, good rates, insurance, life insurance, life insurance approval, moo disorders mistreated by life insurance, mortality risk, never even hospitalized, no lost time, no suicidal thoughts ever, stable career, stable marriage, stay at home mom, very successful professional
By Ed Hinerman on June 18, 2012
Some years ago I had a client who really hit on a hot button for professionals like her as a physician and others who wore hats from CEO’s to attorneys, dentists and even psychiatrists. In the original case it had to do with a physician who had taken an anti anxiety drug for a fairly ...read more
Posted in Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance | Tagged a good risk, ADD, affected marriage, affected work and social life, always a successful side of the story, anti anxiety medication, Anxiety, bipolar, bipolar disorder, clinical underwriting, Depression, getting best rates, getting best rates isn't rocket science, insurance, life insurance, married 30 years, minor mood disorders, not blown out of proportion, own medical practice, professionals like attorneys, professionals like CEO's, professionals like dentists, professionals like physicians, situational depression, stay at home mother of four, suicidal thoughts, treated fairly
By Ed Hinerman on May 30, 2012
I just want to go on record as saying I don’t write this kind of post to brag. I share these victories occasionally to help keep the hope alive for so many with bipolar disorder or other mood disorders who have been declined or abused with a high rating for no other reason than they ...read more
Posted in approval, bipolar, bipolar disorder, decline, insurance, life insurance | Tagged approved, bipolar life insurance, compliant with follow up, compliant with medication, criteria to get approved, decline used wrong company, declined, declined used wrong agent, impaired risk life insurance, insurance, life insurance, mood disorders, took bipolar condition seriously
By Ed Hinerman on March 30, 2012
It’s barely been a month since one of our highest rated carriers announced huge breakthroughs on cancer life insurance underwriting. With some cancers they did away with the one year waiting period post treatment, instead opting for a more aggressive approval suimmediately upon completion of successful treatment. They also opened the door for approvals of ...read more
Posted in Attention Deficit Disorder, bipolar disorder, cancer, coronary artery disease (CAD), cpap, impaired risk life insurance, insurance, life insurance, melanoma, over 50 life insurance | Tagged approval immediately upon completion of successful treatment, best rate class, bladder cancer, calcium scores, cancer, cancer underwriting has been abusive, cardiac risk factor, colon cancer, EBCT, eneterainer life insurance, Gleason grade 8, highest rated carriers, improved survival rates, in situ, insurance, life insurance, low stage and grade, melanoma, more breakthrough news, moving in the right direction, non smoker, papillary carcinoma thyroid, professional athlete life isurance, standard rates or better, surgical treatment only, testicular seminoma
By Ed Hinerman on March 27, 2012
Let me preface this by saying that I take Prozac for situational depression. The situation doesn’t exist anymore but the feelings were so bad that I continue to take the Prozac. I don’t want to quit and find out that the horrible way I felt was just coincidental to the situation that I blamed it ...read more
Posted in Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance, over 50 life insurance | Tagged anti anxiety medication, anti depressant medication, better rate on life insurance, bipolar disorder, discontinue treatment, discontinuing treatment affect underwriting, insurance, life insurance, Lithium, misdiagnosis, mood disorder drug, mood disorder life insurance, over 50 applying for life insurance, over 50 life insurance, Prozac, situational depression
By Ed Hinerman on February 23, 2012
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 agents that won’t even let you go beyond your admission of bipolar disorder without ...read more
Posted in bipolar, bipolar disorder, Depression, insurance, life insurance | Tagged bipolar, bipolar disorder, bipolar disorder approved, bipolar life insurance, ceo life insurance, Homemaker life insurance, insurance, life insurance, life insurance companies, life insurance morons, physicians, stupid life insurance agents, Surgeons, Teachers
By Ed Hinerman on February 20, 2012
I have decided to completely reverse my feeling about online mega agencies such as Selectquote and Accuquote. I have repeatedly inferred that they are the scum of the life insurance industry, that volume of business is more important than customer service, and that their appetite for signing contracts for the largest compensation deals is decidedly ...read more
Posted in bipolar, bipolar disorder, Independent agent, insurance, life insurance | Tagged bipolar disorder, bipolar II, commonly approved, fix bad experience, giant online life insurance agencies, insurance, just buy accidental death, just more work, life insurance, mega agencies, not cost effective, not uninsurable, scum of life insurance industry, Selectquote, Selectquote advertising overhead, time is money, uninsurable, volume more important than customer service, wide swath of dssatisfaction |
By Ed Hinerman on February 16, 2012
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. This means that the maximum benefit at $300,000 ...read more
Posted in bipolar disorder, business life insurance, buy/sell life insurance, civilian contractors, disability income, insurance, prostate cancer | Tagged $250k a month benefit, attorneys, dentists. executives, disability for entertainers, disability for professional athletes, disability incomce insurance, disability income, disability income cap, high limit disability income insurance, highly paid surgeons, income in excess of $1 million, insurance, physicians, restrictive disability insurance, supplemental disability income insurance, traditional disability income
