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 20, 2012 | bipolar, bipolar disorder, Independent agent, insurance, life insurance
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...
by Ed Hinerman | Feb 16, 2012 | Anxiety, bipolar, bipolar disorder, business life insurance, decline, Depression, insurance, life insurance, physicians life insurance
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...
by Ed Hinerman | Jan 2, 2012 | bipolar, bipolar disorder, insurance, life insurance
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...
by Ed Hinerman | Dec 22, 2011 | Anxiety, bipolar, bipolar disorder, decline, insurance, life insurance
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,...
by Ed Hinerman | Dec 3, 2011 | Anxiety, bipolar, bipolar disorder, blood pressure, cholesterol, Depression, insurance, life insurance
It’s 2011 for a little while longer and it seems that only a few life insurance companies have caught on to the fact that life in our great country is a little more stressful than it used to be. You don’t need to look any further than the CDC (Center for...
by Ed Hinerman | Oct 26, 2011 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance
Ok, so occasionally I’m like a broken record (dated myself on that one) and can’t quite let go of an injustice. My Mom thinks that’s a good thing and my wife says as long as it doesn’t affect my blood pressure she’s good with it…so...
by Ed Hinerman | Oct 20, 2011 | Anxiety, bipolar, bipolar disorder, insurance quotes, life insurance
Gosh. It’s been a while since I’ve talked about bipolar disorder life insurance and the continued success we are having placing reasonably priced life insurance for bipolar and the whole gamut of mood disorders. Since it has been a while let’s review...
by Ed Hinerman | Sep 6, 2011 | bipolar, bipolar disorder, decline, insurance, life insurance, physicians life insurance
A common theme I run into because of the large number of physician life insurance clients I have is the lack of records they have. To a ridiculous end it would be like asking your Mom to produce records for all of the medical care she gave you growing up. With...
by Ed Hinerman | May 11, 2011 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance
When you consider the opposite of stable is unstable it makes it easier to understand why life insurance underwriting uses stability as a benchmark for approval and rates for all mood disorder underwriting. Whether it is depression, anxiety or bipolar disorder life...
by Ed Hinerman | May 2, 2011 | bipolar, bipolar disorder, insurance, life insurance
I had my memory tested today when I had a call from a man from the town I grew up in. He introduced himself as Howard Johnson which didn’t ring a bell and then he threw out a few more names that didn’t ring a bell. Then he mentioned that he used to be the...
by Ed Hinerman | Apr 18, 2011 | bipolar, bipolar disorder, insurance, life insurance
I suppose if you are a car dealer, car advertisements get under your skin if they don’t tell the truth. I’ve been enormously disappointed over the years in the way mega agency Selectquote advertises term insurance. They are deceptive at best. After an...
by Ed Hinerman | Mar 3, 2011 | bipolar, bipolar disorder, insurance, life insurance
I want to preface this post by saying I am not making light of any problems that Charlie Sheen may be having or any mental issues that he is dealing with. Nor am I judging him. There was a suggestion made in one interview that he might have bipolar disorder which he...
by Ed Hinerman | Feb 19, 2011 | bipolar, bipolar disorder, Depression, insurance, life insurance
I Googled bipolar life insurance today and was struck by the lack of information on how to get approved for life insurance with bipolar disorder or any of the other mood disorders. Don’t get me wrong. There was plenty of information about bipolar disorder,...
by Ed Hinerman | Feb 8, 2011 | Anxiety, bipolar, bipolar disorder, insurance, life insurance
I was involved in an exchange on the Bipolar Disorder Forum of eHealthforum several months ago. A person had been declined for life insurance and wanted to know if that was just the reality of bipolar disorder or if someone knew how to navigate what was turning out to...
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