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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 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 May 16, 2012
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 tells me they probably aren’t messing up every ...read more
Posted in Dave Ramsey, Depression, insurance, life insurance, Sleep apnea | Tagged acceptable to Selectquote, apply two places and take best approval, assumption Selectquote doing the best thing, Dave Ramsey, Dave Ramsey is that the best you do, declined, Depression, getting a second opinion, insurance, life insurance, life insurance declined, mild depression, right thing for the customer, Selectquote, Sleep apnea, sleep apnea life insurance, Zander Insurance
By Ed Hinerman on January 7, 2012
I’ve talked in the past about how some companies will come on like they want to be the industry leader in a niche, only to fall of the radar completely a year or two later. The supposition on my part is that they either hired a new chief underwriter who put a squash on the ...read more
Posted in Anxiety, bipolar disorder, Depression, ING Reliastar, insurance, life insurance | Tagged ADD, Anxiety, bipolar disorder, bit by ING, Depression, ING bonus contracts, ING fallen from grace, ING Reliastar, insurance, life insurance, minor mood disorders, mood disorder unfriendly company, mood disorders, never quote second best rate, preferred plus, situational depression, Sleep apnea, standard, Type 2 diabetes, Zander Insurance
By Ed Hinerman on October 26, 2011
Ok, so occasionally I’m like a broken record (dated myself on that one) and can’t quite let go of an injustice. My Mom thinks that’s a good thing and my wife says as long as it doesn’t affect my blood pressure she’s good with it…so here I go again. Well controlled mood disorders are not ...read more
Posted in Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance | Tagged ADD, affordable approvals, anti-American, Anxiety, bipolar, bipolar disorder, CEO, declines, Depression, insurance, life insurance, mistreated on life insurance, mood disorder life insurance, paying too much, top executive, underwriting |
By Ed Hinerman on September 26, 2011
Here we go again with the economy and all of our investments. Just as I did a few years ago I need to dust off a bit useful suggestion and reach out again. Investment counselors are trained to say that the market is cyclical and that you shouldn’t freak out in scary down times. That’s ...read more
Posted in insurance, life insurance, over 50 life insurance, term insurance | Tagged assets, cyclical market, Depression, economy, insurance, investment counselors, life insurance, net worth, permanent life insurance, recession, term life insurance
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 May 11, 2011
When you consider the opposite of stable is unstable it makes it easier to understand why life insurance underwriting uses stability as a benchmark for approval and rates for all mood disorder underwriting. Whether it is depression, anxiety or bipolar disorder life insurance, the last thing life insurance companies want to sign off on is ...read more
Posted in Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance | Tagged Anxiety, approval, bipolar disorder, bipolar disorder life insurance, clinical underwriting, decline, Depression, high risk, insurance, life insurance, mood disorder, preferred rates, stability
By Ed Hinerman on February 7, 2011
The country is in the throes of one of the worst overall winters I’ve seen in a long time. The Midwest and Northeast have been pounded unmercifully and places like Oklahoma and Texas who occasionally see a dusting of snow and cool weather have been buried in snow and flirted with zero degrees. It used ...read more
Posted in Anxiety, Depression, insurance, life insurance | Tagged ADHD, Anxiety, bipolar disorder, chronic depression, Depression, insurance, life insurance, mood disorders, mortality risk, preferred rates, situational depression, suicide, well controlled
