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 you make $300,000 or less then this post is probably not for you, unless you can envision a time when your income is higher. Traditional disability income insurance will pay, at most, 65% of your income as a benefit, theoretically what you would net post taxes. This means that the maximum benefit at $300,000 ...read more
Posted in bipolar disorder, business life insurance, buy/sell life insurance, civilian contractors, disability income, insurance, prostate cancer | Tagged $250k a month benefit, attorneys, dentists. executives, disability for entertainers, disability for professional athletes, disability incomce insurance, disability income, disability income cap, high limit disability income insurance, highly paid surgeons, income in excess of $1 million, insurance, physicians, restrictive disability insurance, supplemental disability income insurance, traditional disability income
By Ed Hinerman on January 19, 2012
As I come to grips with the fact that I am going to have to switch from Windows XP to Windows 7 and from Outlook Express to Outlook, I am a bit stressed. To bring you up to speed on the kind of stress I am going through, I wrote this post this morning. Because ...read more
Posted in Anxiety, bipolar disorder, cholesterol, Depression, high blood pressure, insurance, life insurance | Tagged approve at preferred plus rates, attorneys, best rate class, better rate class than industry average, blood pressure, CEO's, cholesterol, coping mechanism, insurance, life insurance, life insurance underwriters, minor mood disorder, mood disorder treatment, mood stablizing, mothers dealing with children, physicians, Prozac, rate class reflect mortality risk, stress, treated for ADD, treated for anxiety, treated for bipolar disorder, treated for depression, well controlled, Wellbutrin, Windows 7, Zoloft |
By Ed Hinerman on December 7, 2011
Big giant disclaimer. We have found several highly rated US life insurance companies that will write foreign nationals living in the US and foreign nationals living outside the US. I have kept this fairly low key until I worked through a few cases, one in Jamaica, one in India and one in Bermuda. This isn’t ...read more
Posted in business life insurance, buy/sell life insurance, cancer, Foreign National Life Insurance, foreign nationals, Infinite banking, insurance, life insurance, whole life | Tagged attorneys, business ties to US, CEO's, company owners, executives, financial justification, foreign national life insurance, foreign nationals, high net worth individuals, highly rated US companies, infinite banking, insurable interest, insurance, international buy/sell life insurance, life insurance, multi national business insurance, physicians, professional athletes life insurance, professionals, reason for US policy, strong ties to the US, the process
By Ed Hinerman on October 20, 2011
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 the basic criteria for placing a bipolar case successfully and with affordable premiums. ...read more
Posted in Anxiety, bipolar, bipolar disorder, insurance quotes, life insurance | Tagged ADD, Anxiety, approved, attorneys, bipolar disorder, bipolar disorder life insurance, declined, dentists, disability income, doctors, hospitalization, insurance, life insurance, minor depression, mood disorders, professionals needing life insurance, reasonably priced, situational depression, suicide, suicide attempt |
By Ed Hinerman on October 10, 2011
I have, over the years, made it quite clear that there are distinct advantages to buying life insurance when you are young and healthy. It’s not that over 50 life insurance suddenly becomes horribly difficult to obtain. for most of us it is just more expensive due to age and really not that bad when ...read more
Posted in business life insurance, insurance, key man insurance, life insurance, over 50 life insurance, prostate cancer | Tagged attorneys, CEO's, Gleason grade 6, Gleason grade 7, Gleason grade 9, insurable, insurance, key man life insurance, life insurance, life insurance as collateral, Lloyds of London, over 50 life insurance, physicians, professionals, prostate cancer, PSA
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 |
By Ed Hinerman on June 28, 2011
As any physician, attorney, dentist or CEO will confess, the journey from student to professional is not one for the faint of heart. For many it can be the most stressful part of their life as physicians reach residency and attorneys study for and take bar exams. Much is expected and there is no slack ...read more
Posted in Anxiety, Depression, insurance, life insurance | Tagged Anxiety, attorneys, bar exam, bipolar disorder, clinical underwriting, Depression, insurance, life insurance, mood disorders, physicians, residency, right product, right rate, stress, treated unfairly |
By Ed Hinerman on February 1, 2011
I wrote an estate life insurance case 6 or so years ago that if you put a pencil to the numbers you would swear that the company had made a huge mistake. There was simply no feasible way for them to make a profit. The case was with Protective Life who, for a while, was ...read more
Posted in estate taxes, insurance, life insurance, Protective Life, rate increase, second to die insurance, universal life | Tagged 1035 exchange, accountants, attorneys, estate life insurance, estate liquidity, estate planners, estate tax free wealth, high net worth individuals, insurance, irrevocable life insurance trust, life insurance, lifetime gift exemption, low interest rate environment, no lapse guarantee universal life, preferred health, term insurance, universal life |
By Ed Hinerman on October 13, 2010
In a post some years ago I was talking about underwriting of mild mood disorders and made a flip comment that it seemed about time that underwriters take another look since most of America and likely most of them were on Prozac or Zoloft or Wellbutrin. Well, I’m not always as effective as I hope ...read more
Posted in Anxiety, insurance, life insurance | Tagged attorneys, bipolar disorder, blood, CEO, cholesterol, insurance, life insurance, mild anxiety, mild depression, mood disorder, physicians, preferred plus rates, pressure, Prozac, Sleep apnea, Wellbutrin, Zoloft
