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By Ed Hinerman on May 10, 2012
Some years ago, like 7 or 8 years, I tried doing some on line trading of stocks. After a couple of months it was obvious I was horrible at it so I hung up my trading software and haven’t been back. To this day I still get calls from stock brokers who always claimed we ...read more
Posted in Independent agent, insurance, insurance quotes, life insurance | Tagged computer dialing systems, customer being beat to death, free life insurance quotes, get a call from only one agent, impaired risk life insurance, impaired risk life insurance underwriting, insurance, knowledgeable independent agent, lead called 50 times, leads to three agents instantly, life insurance, online life insurance quote websites, online life insurance quotes, reached the level of stupid, sell leads to 10 or more agents |
By Ed Hinerman on May 8, 2012
As much as I run across this, it’s sad to know that there are probably as many inaccurate life insurance quotes given each day as there are accurate life insurance quotes. The reason is that most life insurance agents don’t know how the underwriting works with whatever company or companies they are quoting. So what’s ...read more
Posted in Independent agent, insurance, insurance quotes, life insurance, liver functions | Tagged accurate life insurance quotes, agent does due diligence, agent quotes inaccurately, approved policy has different rate, complicated case, health issues, inaccurate life insurance quotes, insist that agent shop the case, insurance, lab results, life insurance, life insurance quotes, medical informtion, quoted in person, quoted over the phone, waste of time |
By Ed Hinerman on May 5, 2012
I just got my monthly reminder from AARP that I have not yet purchased that life insurance through the AARP Life insurance program that I inquired about 5 years ago, and I haven’t talked about senior life insurance or final expense life insurance for a while so I thought this might be a good chance ...read more
Posted in AARP, final expense life insurance, insurance, insurance quotes, life insurance, senior life insurance | Tagged AARP, AARP 5 year term, AARP life insurance, AARP life insurance program, AARP whole life, final expense life insurance, grandparents considering AARP, guaranteed level premium, horrid ripoff, insurance, life insurance, most overpriced life insurance product, most unfair life insurance product, most unscrupulous life insurance prodoct, New York Life, parents considering AARP, senior life insurance |
By Ed Hinerman on April 24, 2012
It’s an interesting view from here. I’m not sure what the equivalent would be for someone who doesn’t write almost daily for years. Maybe just looking back at pictures of how you’ve changed? I’ve picked out half a dozen blog posts from the beginnings over 5 years ago. One thing has remained the same. I ...read more
Posted in guarantee, Independent agent, insurance, insurance quotes, life insurance, universal life, variable universal life | Tagged adjustable rate mortgages, great chance of losing money, horrible advice, insurance, knowing the facts, life insurance, life insurance feeding frenzy, life insurance policies at risk, Mitt Romney, new agents, offer a product that wouldn't self destruct, passionate about life insurance, path of policy destruction, prices skyrocket to unaffordable levels, sold on a non guaranteed basis, traditional universal life insurance, universal life insurance, universal life insurance quotes, universal life reviewed |
By Ed Hinerman on April 10, 2012
It’s not like I’m some grumpy old guy that just thinks young men are stupid. There are a lot of refreshingly intelligent and down to earth young men out there who believe in stepping up to the plate, especially when it’s a plate of their own making. The thing that happens most often with young, ...read more
Posted in cholesterol, insurance, insurance quotes, life insurance | Tagged cholesterol, cholesterol ratio, cost of insurance, could afford it, customer really isn't always right, full medical underwriting, insurance, insurance quotes only as good as exam results, life insurance, life insurance application, like the old days, never been to a doctor, never had labs done, over 50 life insurance, responsibility, same price, young guys |
By Ed Hinerman on March 19, 2012
With the amount of business rolling in for people working in AFghanistan and Iraq as civilian contractors it seemed an appropriate time to take a look at some of the other worldwide dangerous occupations where people are not going to find off the shelf accidental death and disability insurance. Most of the contractors that are ...read more
Posted in accidental death, civilian contractors, Civilian War Zone Coverage, foreign travel, insurance, insurance quotes, life insurance | Tagged accidental death, accidental disability, Afghanistan civilian contractors, aren't getting traditional coverage, celebrities who need insurance, crab fishermen, fishermen, gator hunters, ice road truckers, insurance, Iraq civilian contractors, life inxurance, lobster fisherment, loggers, most dangerous job in the world, mountain climbing, mountain climbing guides, one to two year contracts, reptile catchers, subsantially less in groups, war zones |
By Ed Hinerman on March 15, 2012
I’ve been working on a life insurance case that was recently approved. The client let me know that he had applied through another agent before he found my blog and decided to give me a shot. I am always certain that I’ve quoted the best price available so I have no issue with competition. If ...read more
Posted in application process, impaired risk life insurance, Independent agent, insurance, insurance quotes, life insurance | Tagged applied through another agent, best impaired risk agents, better customer service, both policies approved, competition, impaired risk life insurance, insurance, life insurance, life insurance approved, local agent, shop his case every year, table 4 rating, trial quote |
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 March 3, 2012
There is an application process in the life insurance industry called “Telelife”. It’s only offered by a few companies. It was first put in place about 15 years ago by the then Federal Kemper Life. At the time I worked for Eterm.com and we were told to use the process unless the case involved severe ...read more
Posted in customer service, impaired risk life insurance, insurance quotes, life insurance, Telelife | Tagged application connected to trial quote, Banner telelife, customer disconnected from agent, customer service, field underwriting, Genworth agents won't get paid, Genworth telelife, impaired risk life insurance, insurance, Kemper telelife, life insurance, on the phone 30-45 minutes, telelife interview, telelife process |
By Ed Hinerman on February 22, 2012
I’m all for rounding off. I mean if I owed someone $9 and I had a ten in my wallet and they didn’t have change I would call it good. I know. I know. One of the reasons I’m not filthy rich or any other kind of rich. There is something of a rounding off ...read more
Posted in heart attack, high blood pressure, insurance, insurance quotes, life insurance, obesity | Tagged accurate quotes, actual weight, entire health history, fudging, health history, heart or circulatory system disorder, insurance, last 5 years, life insurance, life insurance quotes, manipulate the quote process. Have you ever questions, obesity, Postural orthostatic tachycardia syndrome, POTS, rounding off, shops relevant information, well controlled |
