by Ed Hinerman | Dec 16, 2010 | Anxiety, insurance, life insurance
There is, I’ve discovered, a common denominator that runs through most of the men and women who have survived medical school, residency and are out there making a living as a physician. In looking back almost all of them would say that, whether they treated it...
by Ed Hinerman | Nov 27, 2010 | bipolar disorder, diabetes, insurance, life insurance, Type 1 diabetes
I have to admit that I very seldom approach a new year with pessimism, but it’s also pretty rare form me to start talking about my optimism when the new year is still a month away. I believe 2011 is going to be a breakthrough, breakaway, record breaking year for...
by Ed Hinerman | Aug 25, 2010 | bipolar, bipolar disorder, insurance, life insurance
It’s been an interesting 3 years working with bipolar clients and at times tripolar life insurance underwriters, but headway has been made and we are successful in filling our clients needs most of the time. The sad thing for me is that getting approvals without...
by Ed Hinerman | Jul 29, 2010 | Anxiety, Depression, insurance, life insurance
Situational mood disorders such as stress related anxiety or depression are something that probably all of us have gone through at one point or another. We all fall into one of three groups in this area, 1. Those who muddle their way through and are able to get back...
by Ed Hinerman | Jul 14, 2010 | bipolar, bipolar disorder, insurance, life insurance
Most people that read my blog and call or email about life insurance for people with bipolar disorder or other serious mood disorders seem to be in their mid forties and below. Most but not all. We have had a fair number of successful professionals my age (55+),...
by Ed Hinerman | Jun 29, 2010 | Anxiety, Depression, insurance, life insurance
I don’t know what some life insurance companies are thinking when they rate a policy because someone was on or is on an anti depressant or anti anxiety medication due to something completely situational like a divorce, the loss of a job or a death in the family....
by Ed Hinerman | Jun 2, 2010 | Anxiety, Depression, insurance, life insurance
Without going into a lot of detail because this blog really isn’t about me, let me say that I am in the midst of coming to grips with some long term depression issues that I have just kept at bay for the last 15 or so years. Because it’s on my mind I...
by Ed Hinerman | Mar 4, 2010 | Anxiety, insurance, life insurance
Depression is one of those life insurance issues I’ve been hearing about forever. Anxiety, on the other hand, was something I rarely heard about 10 years ago and today it seems anxiety treatment is almost as common as cholesterol treatment. I think I get that....
by Ed Hinerman | Feb 19, 2010 | heart attack, insurance, life insurance
I know for me that I consider daylight savings time to be a personal attack on my well being, and now there are studies to back it up. There has always been an acknowledged link between sleep deprivation and heart attacks, so it really wasn’t rocket science when...
by Ed Hinerman | Feb 6, 2010 | bipolar, bipolar disorder, insurance, life insurance
I was involved in an exchange on the Bipolar Disorder Forum of eHealthforum not too long ago. A person had been declined for life insurance and wanted to know if anyone knew the way out of the jungle. The person asking for help had been declined for life insurance...
by Ed Hinerman | Jan 14, 2010 | Anxiety, insurance, life insurance
USAA is one of the biggest insurance companies in the country. Their ratings are enviable and their reputation is impeccable, except for one large chink in their armor. They stink at underwriting. Like a lot of large auto and homeowners insurance companies, USAA makes...
by Ed Hinerman | Aug 19, 2009 | bipolar disorder, Depression, insurance, life insurance
I’ve written a lot about mood disorders, especially depression over the years. The truth is that depending on the life insurance company, any particular disorder can have an underwriting reaction that can vary all the way from preferred rate classes to declines....
by Ed Hinerman | May 12, 2009 | Anxiety, bipolar, bipolar disorder, Depression, Independent agent, insurance, insurance quotes, life insurance
We’ve done a lot of work for clients with mild to moderate, usually situational, depression or anxiety disorders. The truth is the more crazed and frenetic our society and lifestyle become, the more people are looking for a little bit of help coping. It’s...
by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
by Ed Hinerman | Mar 11, 2009 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance, Prudential
The truth is that I doubt if anyone makes it through life without situational anxiety or depression and there are days when I would swear the whole world is ADD, so what’s the big deal? For years a lot of the more conservative life insurance companies have with...
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