by Ed Hinerman | Jul 27, 2011 | AARP, final expense life insurance, insurance, life insurance, no exam
I know that you know that I seem to have a real case of the can’t shut ups when it comes to the New York Life / AARP life insurance program, but AARP is so in the face of our country and especially the elderly among us, well, it’s become kind of personal....
by Ed Hinerman | Jul 26, 2011 | insurance, life insurance, smoking
As independent life insurance agents there is a kind of longing for the good old days when US Financial offered non smoking rates to social smokers and when CNA would issue a policy to a smoker at non smoking rates, with the caveat that they had to quit smoking within...
by Ed Hinerman | Jul 26, 2011 | bait and switch, cancer, heart disease, Independent agent, insurance, life insurance
I am left shaking my head occasionally when I hear a client say that my quote is much higher than some other quote they have received. Since I shop virtually every case I quote I am confident when I send out quotes, well, they are as good as it is going to be after...
by Ed Hinerman | Jul 21, 2011 | accidental death, bait and switch, insurance, life insurance
I have written a lot in the past year about the availability of a very fairly priced AD&D product from a company that covers everything from simple AD&D to war risk for civilian contractors working in Afghanistan. The company that offers the coverage is...
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 | Jul 12, 2011 | heart attack, insurance, life insurance
The internet has come a long way and is an amazing research tool. It is not uncommon for people to make major medical treatment decisions based on their own research even when it runs counter to their doctor’s recommendation. It has to drive doctors nuts and I...
by Ed Hinerman | Jul 7, 2011 | cancer, insurance, life insurance, suicide clause
Ah, the fine print. Somewhere in that life insurance policy must be something written so small and obscurely that it can never be found by a mere human that excludes my family from being paid no matter how I die. All I am doing is paying money to an insurance company...
by Ed Hinerman | Jul 6, 2011 | accelerated death benefit, conversion, insurance, life insurance
A few days ago I was on a bit of a rip over the subjects of conversion privileges and how far too many companies are changing products offered to non guaranteed UL’s, rather than permanent products. The answer lies somewhere in a slight of hand the companies are...
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