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By Ed Hinerman on May 21, 2013
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 underwriting, humans with biases. They might keep them in check most of the ...read more
Posted in Anxiety, decline, Depression, insurance, life insurance, over 50 life insurance, physicians life insurance | Tagged chonic controlled depression, chronic controlled anxiety, couldn't give it fair hearing, declined, emotionally torn to pieces, get off the decline list, get to underwriting director, insurance, life insurance, medical director who understands mood disorders, out of no where divorce, underwriter had been through divorces, underwriter with a bias, wrong underwriter at the wrong time |
By Ed Hinerman on February 20, 2013
I had an interesting scenario pop up while I was on vacation. Pam hates it when I get side tracked by life insurance when I am supposed to be recharging my batteries, but the truth is my job is fun and batteries can be recharged in more than one way. So I devoted a few ...read more
Posted in business life insurance, Independent agent, insurance, life insurance, life insurance approval, physicians life insurance | Tagged backdating to save age, business life insurance, CEO cover letter, financial justification, insurance, life insurance, life insurance as collateral, life insurance Hawaii, policy issued in 10 days, price and speed, quick approval business life insurance, quick approval life insurance, third party financidals
By Ed Hinerman on April 11, 2012
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 problem. Fortunately for professionals there are treatment ...read more
Posted in Alcohol Treatment Life Insurance, Drug Treatment Life Insurance, insurance, life insurance, physicians life insurance | Tagged 5 year random test program, alcohol abuse, attorneys, CEO, chances of relapse very small, dentists, drug abuse treatment, drug treatment, drug treatment life insurnce, insurance, insurance approval soon after Vivitrol, life insurance, Naltrexone, physicians, prescription drug abuse life insurance, random drug testing, short term alcohol abuse, staying on Naltrexone, treatment programs for professionals, Vivitrol
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 September 6, 2011
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 physicians treating physicians and ...read more
Posted in bipolar, bipolar disorder, decline, insurance, life insurance, physicians life insurance | Tagged bipolar, bipolar disorder, insurance, lack of records, life insurance, minor mood disorders, mood disorder life insurance, physician life insurance, psychiatrist, self treating, trial quote
By Ed Hinerman on August 31, 2011
What are there, 300 million plus a few people in the United States now? And the best guess I found is that 10′s of millions have mood disorders to one degree or another. Personally I think that may be an understatement. Tens of millions treated and untreated? 1 in 5? 1 in 4? The truth ...read more
Posted in Anxiety, Depression, insurance, life insurance, physicians life insurance | Tagged Anxiety, attorneys, best rate class, ceo life insurance, CPA, dentists, Depression, insurance, life insurance, med school, mood disorder, mood disorder life insurance, physiciansm, residency, situational, stress |
