Browse: Home / minor mood disorders
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 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 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 January 17, 2011
Although I would never say never, in general the major mood disorders such as bipolar disorder and chronic depression are hard to get approved at preferred best rates. We’ve successfully shot that shot in the past and hope to again, but it takes a truly exceptionally well treated and stable case to garner a best ...read more
Posted in Anxiety, Depression, insurance, life insurance | Tagged anxiety disorder, Attention Deficit Disorder, bipolar disorder, chronic depression, impaired risk life insurance underwriting, insurance, life insurance, minor mood disorders, mood disorders, preferred, preferred plus, situational depression, State Farm
