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 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 25, 2011
The diverse underwriting reaction to situational depression life insurance and situational anxiety life insurance is huge, with the same case ranging from declines to preferred rates depending on the company. Those of us who were around in the 50′s remember the stigma that mood disorders carried back then and it is apparent that plenty of ...read more
Posted in Anxiety, Depression, insurance, life insurance, stress | Tagged anxiety life insurance, depression life insurance, insurance, life insurance, situational anxiety, situational depression, stress
By Ed Hinerman on December 16, 2010
There is, I’ve discovered, a common denominator that runs through most of the men and women who have survived medical school, residency and are out there making a living as a physician. In looking back almost all of them would say that, whether they treated it or not, they suffered from anxiety at some level. ...read more
Posted in Anxiety, insurance, life insurance | Tagged Anxiety, anxiety disorder, declined, insurance, life insurance, medical school, physican life insurance, physician, preferred plus approval, rated, residency, stress
By Ed Hinerman on July 29, 2010
Situational mood disorders such as stress related anxiety or depression are something that probably all of us have gone through at one point or another. We all fall into one of three groups in this area, 1. Those who muddle their way through and are able to get back on track by themselves, 2. Those ...read more
Posted in Anxiety, Depression, insurance, life insurance | Tagged Anxiety, attorneys, bar exam, Depression, insurance, life insurance, physicians, preferred plus rates, residency, situational mood disorder, stress
By Ed Hinerman on February 19, 2010
I know for me that I consider daylight savings time to be a personal attack on my well being, and now there are studies to back it up. There has always been an acknowledged link between sleep deprivation and heart attacks, so it really wasn’t rocket science when someone figured out that the onset of ...read more
Posted in heart attack, insurance, life insurance | Tagged Anxiety, Depression, heart attack, heart disease, insurance, life insurance, obesity, Sleep apnea, sleep deprivation, stress
By Ed Hinerman on January 14, 2010
USAA is one of the biggest insurance companies in the country. Their ratings are enviable and their reputation is impeccable, except for one large chink in their armor. They stink at underwriting. Like a lot of large auto and homeowners insurance companies, USAA makes it clear that when you have life insurance needs, they would ...read more
Posted in Anxiety, insurance, life insurance | Tagged Allstate, Anxiety, bipolar disorder, cancer, diabetes, insurance, life insurance, Lincoln Life, preferred rates, prostate cancer, standard rates, State Farm, stress, underwriting, USAA
By Ed Hinerman on January 21, 2008
In my passion to ensure that the world understands the risks of cancer, obesity and diabetes, I have often referred to heart disease, coronary artery disease, as a collateral health issue. What I have neglected to do is give the number one killer of men and women the singular emphasis it deserves. Although women consistently ...read more
Posted in breast cancer, cancer, coronary artery disease (CAD), diabetes, heart attack, heart disease, insurance, life insurance, obesity, stress, women | Tagged breast cancer, cancer, coronary artery disease (CAD), diabetes, heart attack, heart disease, insurance, life insurance, obesity, stress, women
By Ed Hinerman on October 29, 2007
We talk all the time about how losing control of one part of your health inevitably has a compounding effect on other areas of your health. Stress, or anxiety, is certainly not an exception to that rule. In a recent post we talked about how some amount of stress, channeled efficiently, can actually be a ...read more
Posted in Anxiety, insurance, life insurance, obesity | Tagged Anxiety, insurance, life insurance, obesity, stress, Uncategorized