by Ed Hinerman | Jun 15, 2011 | bait and switch, final expense life insurance, Independent agent, insurance, life insurance
After being beat up yesterday by a final expense life insurance agent that didn’t like my opinion of final expense insurance companies, I’m feeling the need to vent. Folks, this is all about life insurance customer service, where the customer comes first...
by Ed Hinerman | Jun 14, 2011 | final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance
I wrote an article for Agent Sales Journal in their June magazine titled, “Would you sell that to your mother?” ASJ is an industry magazine and online presence that allows agents to share their opinions. I’ve had several calls from agents since...
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 | Jun 7, 2011 | decline, insurance, life insurance
I used to think it was kind of amusing that obviously intelligent doctors have the worst handwriting of any other genre on the planet. Can you imagine if they were still in med school and had to hand write a 20 page thesis on something. The instructor would probably...
by Ed Hinerman | Jun 6, 2011 | bipolar disorder, decline, insurance, life insurance
MIB, the Medical Information Bureau, has always been kind of this covert secret group that snatches information whenever you apply for life insurance or health insurance. MIB has been blamed for a lot of things and I thought it would be helpful to demystify their role...
by Ed Hinerman | Jun 2, 2011 | insurance, life insurance, skydiving
It’s never been a pretty picture applying for life insurance and wanting your favorite dangerous hobby to be completely covered. The problem for most of us going in is that we jump on the fun bandwagon without consulting our local life insurance underwriter....
by Ed Hinerman | Jun 2, 2011 | cholesterol, insurance, life insurance, pilot, private pilots
I get industry updates almost daily when companies believe they have a niche that is going to the the magic bullet for a client. Sometimes I wonder if anyone really thinks it through before they yell, “Hey, look at us!” I’m a big fan of United of...
by Ed Hinerman | Jun 1, 2011 | insurance, life insurance, term insurance, whole life
I had a comment to a post I wrote last year over the weekend. This person stated, “As a non financially educated guy, I have a really hard time understanding how people in the same industry can have such varying opinions how to insure oneself.” This...
by Ed Hinerman | May 26, 2011 | basal cell carcinoma, insurance, life insurance, melanoma, squamous cell carcinoma
There is no lack of bad advice and lame life insurance underwriting when it comes to any of the three types of skin cancer, basal cell carcinoma, squamous cell carcinoma and malignant melanoma. At the core of the confusion seems to be multiple instances of anything....
by Ed Hinerman | May 24, 2011 | insurance, life insurance, skydiving, terrorism, travel insurance
Well, if it’s for the next five minutes you are out of luck, but if it’s for 5 minutes next week you can have your wish. And really I’m not talking about life insurance but rather accidental death insurance. Specifically this comes up when you get a...
by Ed Hinerman | May 13, 2011 | insurance, life insurance, pilot, private pilots
So, a guy decides to learn how to fly. He wants to be a private pilot in the worst way. He signs up for lessons and after all the classroom curriculum is satisfied he and his flight instructor are finally ready to take off for the first flight. Other than the fact...
by Ed Hinerman | May 11, 2011 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance
When you consider the opposite of stable is unstable it makes it easier to understand why life insurance underwriting uses stability as a benchmark for approval and rates for all mood disorder underwriting. Whether it is depression, anxiety or bipolar disorder life...
by Ed Hinerman | May 9, 2011 | insurance, life insurance, skydiving, terrorism
I was talking to an associate I work with on travel insurance last week and he said that since Bin Laden’s death requests for acts of terrorism life insurance have gone up ten fold. It’s no big surprise I guess that people are concerned about retaliation...
by Ed Hinerman | May 6, 2011 | life insurance, pilot, skydiving, terrorism, travel insurance
I was working with a client who posed some interesting challenges for life insurance underwriting. Although as healthy as an underwriter could hope for, he is a skydiving instructor and also a skydiving jump plane pilot. Either of those, or both of those on a life...
by Ed Hinerman | May 4, 2011 | Dave Ramsey, life insurance, private pilots, term insurance
Dave Ramsey still swears that Zander Insurance is the place to get the best deal on term life insurance. “Use Zander’s online quoting system to search for the most competitive term life insurance plans available”, Dave says. I have a lot of respect...
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