by Ed Hinerman | Feb 25, 2012 | accelerated death benefit, conversion, customer service, guarantee, honesty, Independent agent, insurance, life insurance
If good customer service cost less than bad customer service, which would you choose. Trick question, right? Let me qualify that question a little. If you knew ahead of time that you were making a major purchase that offered little or no customer service after the...
by Ed Hinerman | Jun 8, 2011 | grace period, insurance, life insurance
I had a client who, by his wife’s own admission, was a bit of an airhead when it came to things like paying bills on time. When we put life insurance in force on the two of them he insisted that the bill should come to him. His annual bill came due June 1, 2009...
by Ed Hinerman | Jan 20, 2011 | insurance, life insurance, private pilots
Anyone who has perused more than one of my blog posts knows that I am a huge advocate of annual reviews. I know this is a practice that has been abused by a lot of agents as a way to “just check in”, but really “sell you something else or...
by Ed Hinerman | Jan 4, 2011 | guarantee, insurance, life insurance, universal life
How many blog posts and articles have I written about the catastrophic meltdown of traditional universal life insurance policies? I have sought industry assistance in nailing down approximately what percentage of the total number of UL’s are in danger of...
by Ed Hinerman | Jun 8, 2010 | conversion, insurance, life insurance
It’s become all too apparent over the years that most clients buy life insurance, whether term insurance or permanent, put it in the cabinet and because they never hear from their agent again, there is never an evaluation to make sure it meets your needs as well...
by Ed Hinerman | May 12, 2010 | estate taxes, insurance, life insurance
History is littered with examples of poor life insurance and estate planning, and examples of how a lack of attention and review completely negates good planning. Now I’m guessing that there aren’t a lot of pro football team owners reading this, but the...
by Ed Hinerman | Mar 17, 2010 | bipolar, insurance, life insurance
Insurance agents annual reviews have gotten a bad name over the years and with some justification. Some agents see it only as an opportunity to sell more and kind of do service as an aside. But don’t underestimate the value of those annual calls. I know before I...
by Ed Hinerman | Jun 15, 2009 | Banner Life, insurance, life insurance
I know I have beat the subject to death and beat up on other agents who don’t beat the subject to death, but allow me to begin this Monday by sharing with you the actual cost of dragging your feet. This particular example actually is a long time friend of mine...
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