Life Insurance Challenges Of Success!
Drop the word insurance out of there and reality is that with success in life comes challenges that even the most on the ball folks aren’t ready for. How a person deals with those challenges can affect how they are perceived when they apply for life insurance. I’ve talked a lot about how the pulls ...read more
Chalk Up Another Bipolar Life Insurance Win!
I just want to go on record as saying I don’t write this kind of post to brag. I share these victories occasionally to help keep the hope alive for so many with bipolar disorder or other mood disorders who have been declined or abused with a high rating for no other reason than they ...read more
Life Insurance Decline For ADD or Anxiety Or Mononucleosis? Get Real!
What a cold, cruel world we live in. Most of the time I am not surprised when someone calls because they they have been approved at a standard rate, sometimes a little worse for things like ADD, ADHD, mild anxiety or depression. A few days ago I got a call from someone who had been ...read more
ING Goes Decidedly Depressive On Bipolar Underwriting!
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
Bipolar Disorder Life Insurance Still Going Strong!
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
We Should All Be Treated For Anxiety!
When i see how some life insurance underwriters treat clients with generalized anxiety, often offering standard rate or worse approvals, I wonder if they’re living in the same country as the rest of us. USA could easily stand for the United States of Anxiety with the roller coaster ride we’ve been on for the last ...read more
Professionals Hammered Hard For Mood Disorders!
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
Cabin Fever Or Situational Depression?
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
Minor Mood Disorder Life Insurance Underwriting!
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
Make Sure Your Life Insurance Agent Understands Your Anxiety
I won’t go so far as to say that you have to have a life insurance agent with a mood disorder, but when it comes to successful underwriting of anxiety or depression life insurance applications need to be handled correctly. An agent’s understanding of the challenges you face with your particular disorder can mean the ...read more
