by Ed Hinerman | Feb 6, 2014 | Depression, diabetes, HIV life insurance, HIV Positive, Independent agent, insurance, life insurance, life insurance approval, Type 1 diabetes
And when I answer the phone, and it’s me who answers it, I truly want to know just that. How can I help you? If you found me you probably have already experienced life insurance agents who couldn’t help you or wouldn’t help you. You may have suffered...
by Ed Hinerman | Nov 25, 2013 | bipolar, bipolar disorder, decline, Depression, HIV life insurance, insurance, life insurance, life insurance approval, prostate cancer
With all the great things happening on so many fronts I thought it prudent to bring things up to date on mood disorder life insurance and specifically the continued success we are having placing well controlled bipolar disorder. Even with major breakthroughs in life...
by Ed Hinerman | Oct 11, 2013 | Anxiety, bipolar disorder, Depression, insurance, life insurance, life insurance approval, life insurance underwriting
I mentioned a few weeks ago that I had forwarded a post to three life insurance companies, Prudential, Banner Life and American General Life. The gist of the post was that it seemed to me and several of my colleagues that there had been a serious shift in mood...
by Ed Hinerman | Sep 23, 2013 | Attention Deficit Disorder, bipolar disorder, Depression, insurance, life insurance, life insurance approval
I am so glad that a life insurance company came clean with me this last week and admitted that, yes, they had in fact changed their stance on underwriting of bipolar disorder life insurance and other mood disorders as well. They admitted that a case that they had...
by Ed Hinerman | Sep 5, 2013 | application process, compliance, decline, Depression, insurance, life insurance, life insurance approval
There is a tendency with a lot of people to get a little road weary with a long term treatment plan and take off in our own direction. I am guilty as charged of that and just like I advise my clients, I have a little homework to do before I apply for a life insurance...
by Ed Hinerman | Aug 21, 2013 | Anxiety, approval, assumptions, bipolar disorder, CEO life insurance, Depression, insurance, life insurance, life insurance approval, life insurance claim
While I believe it would be characterized as mild, there seems to be quite a bit of evidence pointing to the fact that most life insurance companies have gone through a manic period of underwriting mood disorders. For the past several years depression, anxiety and...
by Ed Hinerman | May 21, 2013 | Anxiety, decline, Depression, insurance, life insurance, over 50 life insurance, physicians life insurance
I’ve gone and fooled myself again. I’ve been so adamant about the pathetic underwriting from 99.5% of life insurance companies that I sometimes forget that in that one half of once percent of companies that do great things, there are still humans...
by Ed Hinerman | Nov 26, 2012 | Anxiety, bipolar disorder, Depression, gastric bypass, insurance, life insurance, life insurance approval, mortality, mortality risk, obesity
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...
by Ed Hinerman | Jun 18, 2012 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance
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...
by Ed Hinerman | May 16, 2012 | Dave Ramsey, Depression, insurance, life insurance, Sleep apnea
I am about to go off on Selectquote again but let me show you the new kinder, gentler side of my opinionated self. Selectquote handles, from what I’ve heard, about 100,000 applications a year. They’ve been the king of the hill for quite a while so that...
by Ed Hinerman | Mar 27, 2012 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance, over 50 life insurance
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...
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 | Dave Ramsey, Depression, insurance, life insurance, term insurance
SAVE 70% ON LIFE INSURANCE. How often have we seen that little advertising flower bloom on our computer screens. I’ve explained in the past that there really isn’t any magic to that. The spread between the best priced life insurance companies and the worst...
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 26, 2012 | Anxiety, decline, Depression, hepatitis, insurance, life insurance
What a cold, cruel world we live in. Most of the time I am not surprised when someone calls because they they have been approved at a standard rate, sometimes a little worse for things like ADD, ADHD, mild anxiety or depression. A few days ago I got a call from...
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