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By Ed Hinerman on June 4, 2013
Years ago I put out lists of criteria for different life insurance impairments, lists that were designed as a template, as guidelines for what it takes to get approved by the more progressive impaired risk life insurance companies. What I’ve found is that it gives hope and direction to those who truly meet those criteria ...read more
Posted in approval, bipolar disorder, insurance, life insurance, life insurance approval, Type 1 diabetes | Tagged approved for life insurance, approved for lower rates, assets outweigh need for life insurance, bipolar disorder, control as measured by A1c, every impairment has approval guidelines, facts in medical records, guidelines to get approved, insurance, life insurance, life insurance impairments, progressive impaired risk companies, progressive life insurance, Type 1 diabetes |
By Ed Hinerman on November 26, 2012
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 to control high blood pressure. It may only be one rate ...read more
Posted in Anxiety, bipolar disorder, Depression, gastric bypass, insurance, life insurance, life insurance approval, mortality, mortality risk, obesity | Tagged Anxiety, bipolar disorder, blood pressure, common sense to reward, controlled bipolar disorder looks normal, cure type 2 diabetes, Depression, gastric bypass, gastric bypass life insurance, high blood pressure, insurance, insurance doesn't reward treatment, life insurance, minor mood disorders, mortality risk, obesity, obesity health baggage, reward those who take health seriously
By Ed Hinerman on October 30, 2012
There’s still two more months to go and by any measure the life insurance industry has made strides in both underwriting and product design that speak well for the future, but especially should be an eye opener right now. I’ve tried to note each change or solidification of a change as it happens, but let’s ...read more
Posted in breast cancer, cancer, insurance, life insurance, mortality risk, no lapse guarantee, prostate cancer, rate increase, term insurance, universal life | Tagged AG38 reserves, best permanent product on the market, bipolar disorder, breast cancer, clinical underwriting, compliance and control, declines in the past, insurance, life insurance, life insurance underwriting, melanoma, no lapse guarantee UL, prostate cancer, rate increase, reasonal approvals, replace failing traditional UL, second to die life insurance, significant opportunity exists. small or large permanent policies, small window to apply, Type 1 diabetes, universal life
By Ed Hinerman on July 31, 2012
I’ve been working some particularly tough impaired risk life insurance cases lately and it really drove it home to me that if a person with higher risk life insurance impairment is using an agent who only represents one or two or three companies, they have almost no chance of a good outcome with their life ...read more
Posted in impaired risk life insurance, Independent agent, insurance, life insurance, pilot, private pilots, professional car racing | Tagged agencies favor one company compensation, agent represents one company, alcohol or drug treatment, bipolar disorder, declined, getting approved, getting approved at best rate possible, high risk life insurance, impaired risk life insurance, indepedent agent, insurance, life insurance, mountain climbers, not the quickest life insurance quote, private pilot life insurance, professional car racers, seizure disorders, treated unfairly, Type 1 diabetes
By Ed Hinerman on June 18, 2012
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 anxiety drug for a fairly ...read more
Posted in Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance | Tagged a good risk, ADD, affected marriage, affected work and social life, always a successful side of the story, anti anxiety medication, Anxiety, bipolar, bipolar disorder, clinical underwriting, Depression, getting best rates, getting best rates isn't rocket science, insurance, life insurance, married 30 years, minor mood disorders, not blown out of proportion, own medical practice, professionals like attorneys, professionals like CEO's, professionals like dentists, professionals like physicians, situational depression, stay at home mother of four, suicidal thoughts, treated fairly
By Ed Hinerman on June 6, 2012
I’ve talked often about the fact that easily 99% of life insurance companies underwrite by the book, the underwriting manual, and for most of them it hasn’t changed since we only had 49 states. If the word bipolar is on the application you are declined. If you’re not bipolar but take, for instance, Lamictal or ...read more
Posted in A1c, diabetes, insurance, life insurance, life insurance approval, Type 1 diabetes | Tagged A1c's below 7, Abilify, adult onset type 1 diabetes, affordable rates, bipolar, bipolar disorder, compliance and control, diabetes, insurance, juvenile onset type 1 diabetes, Lamictal, life insurance, life insurance approvals, no collateral health issues, recent approvals, Type 1 diabetes |
By Ed Hinerman on March 27, 2012
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 coincidental to the situation that I blamed it ...read more
Posted in Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance, over 50 life insurance | Tagged anti anxiety medication, anti depressant medication, better rate on life insurance, bipolar disorder, discontinue treatment, discontinuing treatment affect underwriting, insurance, life insurance, Lithium, misdiagnosis, mood disorder drug, mood disorder life insurance, over 50 applying for life insurance, over 50 life insurance, Prozac, situational depression
By Ed Hinerman on March 13, 2012
Declined life insurance applications. It’s where most of my customers come from. I do have a pretty fair block of business with private pilots and a growing business with Lloyds of London in high risk and high limit insurance policies such as coverage for contract workers in war zones and people that climb mountains. But ...read more
Posted in decline, diabetes, impaired risk life insurance, insurance, insurance quotes, life insurance, no exam, private pilots | Tagged agent doesn't ask questions about impairment, archaic underwriting, bipolar disorder, captive agents, declined life insurance application, diabetes, former car salesmen, heart attack, high limit insurance, high risk insurance, impaired risk life insurance, independent agents, insurance, life insurance, no exam nonsense, no health questions nonsense, pre approved to be declined, quote from an underwriter, relevant to mortality, Selectquote, wrong life insurance agent, wrong life insurance company, Zander |
By Ed Hinerman on February 23, 2012
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 agents that won’t even let you go beyond your admission of bipolar disorder without ...read more
Posted in bipolar, bipolar disorder, Depression, insurance, life insurance | Tagged bipolar, bipolar disorder, bipolar disorder approved, bipolar life insurance, ceo life insurance, Homemaker life insurance, insurance, life insurance, life insurance companies, life insurance morons, physicians, stupid life insurance agents, Surgeons, Teachers
By Ed Hinerman on February 20, 2012
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 their appetite for signing contracts for the largest compensation deals is decidedly ...read more
Posted in bipolar, bipolar disorder, Independent agent, insurance, life insurance | Tagged bipolar disorder, bipolar II, commonly approved, fix bad experience, giant online life insurance agencies, insurance, just buy accidental death, just more work, life insurance, mega agencies, not cost effective, not uninsurable, scum of life insurance industry, Selectquote, Selectquote advertising overhead, time is money, uninsurable, volume more important than customer service, wide swath of dssatisfaction |
