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 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 it isn’t crystal clear by now, it should be. People applying for life insurance with a current or past history of well controlled depression, anxiety, ADD, ADHD, bipolar disorder and other mood disorders are being abusively rated or declined by most life insurance companies. My contention is , in spite of the statistics, is ...read more
Posted in Anxiety, bipolar, bipolar disorder, business life insurance, decline, Depression, insurance, life insurance, physicians life insurance | Tagged abusively declined, abusively rated, ADD, ADHD, anxiety disorder, approved at preferred plus rates, approved bipolar disorder, attorney, bipoalr disorder, bipolar, CEO, ceo life insurance, decline, insurance, life insurance, obsessive compulsive disorder, OCD, physician, rated for mood disorders, situational depression, well controlled anxiety, well controlled depression, well controlled mood disorder |
By Ed Hinerman on January 2, 2012
I suspect that two things will stay very much the same in 2012. Politics will attempt to suffocate us all and I will be able to reach growing numbers of those with bipolar disorder in the their quest to be treated fairly in acquiring life insurance. Since starting my work with those diagnosed with bipolar ...read more
Posted in bipolar, bipolar disorder, insurance, life insurance | Tagged bipolar, bipolar disorder, CEO, compliant with treatment, doctor, gifted, homemaker, insurance, intelligent, life insurance, most agents don't want, Newt Gingrich, normal, stable family life, stable work life, successfully acquire life insurance, well controlled
By Ed Hinerman on December 22, 2011
I think it’s happened to all of us at one point or another. We go to a doctor or a counselor and they come up with a diagnosis that is so far out of context that you can’t understand how they got from point A to B. There is a very natural tendency, especially if ...read more
Posted in Anxiety, bipolar, bipolar disorder, decline, insurance, life insurance | Tagged bipolar, bipolar disorder, decline due to non compliance, declined for no reason, declined twice bipolar disorder, diagnosis, diagnosis bogus, discard old diagnosis, dismiss the diagnosis, insurance, life insurance, mistake in medical records, non compliance, optional test, postpone until test is completed, psych evaluation, recommended testing, recommended treatment, reviewe medical records
By Ed Hinerman on December 15, 2011
Declined anything is a personal hit kind of feeling. I remember once being declined for a credit card. I think I may be the only guy in the country that has ever been declined for a credit card. It kind of hurt my feelings. They offered it and then they declined it. What’s with that? ...read more
Posted in bipolar, bipolar disorder, decline, diabetes, epilepsy, heart disease, insurance, life insurance | Tagged approve, approve and issue policies, bipolar, bipolar disorder, CEO's, declined, declined for life insurance, diabetes, doctor lying to me?, epilepsy, heart disease, homemakers, insurance, life insurance, my imminent death, never a manic episode, never a sucidial thouht, not comfortable with risk, pathetic underwriting, pay out a death benefit, standard or better rates