by Ed Hinerman | Sep 10, 2013 | application process, bait and switch, insurance, insurance quotes, life insurance, life insurance approval, Sleep apnea
I had a potential customer call a few weeks ago and after having gone through all the health questions with him, I let him know that I just needed a little more detail on his sleep apnea in order to shop it for life insurance appropriately. After he told me that he...
by Ed Hinerman | Jul 15, 2011 | AARP, final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance
The life insurance industry, at least the final expense life insurance industry would certainly love for you to believe that over 50 life insurance is a minefield with disaster written all over it. Suddenly you must be perceived as a greater life insurance risk as the...
by Ed Hinerman | Nov 17, 2010 | insurance, life insurance
It kind of cracks me up sometimes. I can almost hear the hot dog (life insurance) vendor at the ball game. “Get your free life insurance quotes here! Get em while they’re hot!” This is certainly not to say that anyone should ever have to pay to get a...
by Ed Hinerman | Oct 14, 2010 | insurance, life insurance, no exam, senior life insurance
If you can get life insurance without taking an exam, called simplified issue insurance, without donating blood and urine and blocking out 20-30 minutes of your time, why would anyone buy a traditional term life insurance policy that requires an exam? Seems like a...
by Ed Hinerman | Sep 15, 2010 | final expense life insurance, insurance, life insurance, senior life insurance, whole life
When I go through my daily Google Alerts to keep current with life insurance related matters, one of the topics I follow is “Final Expense Life Insurance”. More than any other topic I follow this is absolutely riddled with a combination of bad advice and...
by Ed Hinerman | Jul 20, 2009 | insurance, life insurance, no exam
One of the little inconveniences of applying for life insurance is that, although free and done at your home or work, there is the need for an exam. With the exception of larger policies most exams consist of blood and urine specimens, a check of your height, weight...
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