by Ed Hinerman | Oct 31, 2012 | blood pressure, cholesterol, HDL, high blood pressure, insurance, life insurance
A few years back I fought a bloody battle with an underwriter from ING over what today still stands as the most illogical piece of underwriting I have ever run in to. Not that the two events are in any way related, but I won the battleĀ and then watched company after...
by Ed Hinerman | Oct 30, 2012 | breast cancer, cancer, insurance, life insurance, mortality risk, no lapse guarantee, prostate cancer, rate increase, term insurance, universal life
There’s still two more months to go and by any measure the life insurance industry has made strides in both underwriting and product design that speak well for the future, but especially should be an eye opener right now. I’ve tried to note each change or...
by Ed Hinerman | Oct 18, 2012 | AARP, Burial insurance, compliance, final expense life insurance, financial adviser, guarantee, guaranteed level premium, insurance, life insurance, universal life
Everyone wants a deal. My wife never buys anything without throwing out the Dave Ramsey line, “Is that the best you can do?”, and I am amazed at how much and where she gets discounts. Too bad Dave has never asked his own life insurance agent that, but...
by Ed Hinerman | Oct 16, 2012 | Alcohol Treatment Life Insurance, approval, business life insurance, court ordered life insurance, Drug Treatment Life Insurance, executives, insurable interest, insurance, International Business insurance, life insurance, Lloyds of London
The life insurance process is by law and by practice a confidential transaction. Life insurance agents shouldn’t be telling anyone about who they are working for and life insurance examiners shouldn’t be telling anyone about who they have examined and home...
by Ed Hinerman | Oct 10, 2012 | customer service, decline, executives, financial adviser, insurance, insurance quotes, life insurance, life insurance approval, term insurance
The CEO of a Denver based company contacted me today. He was shopping for life insurance and because he was a private pilot with almost no current flight time, as in none for 4 years, he was getting quotes that were through the roof. When you need millions in life...
by Ed Hinerman | Oct 9, 2012 | compliance, doctor's recommendation, insurance, life insurance
There is, especially in impaired risk life insurance, frequently a disagreement between clients and their doctors as to whether or not a condition or illness actually exists and almost always some contention over the severity or the treatment. Life insurance...
by Ed Hinerman | Oct 6, 2012 | bait and switch, customer service, honesty, Independent agent, insurance, insurance quotes, life insurance, life insurance approval
I had an experience with Direct TV yesterday that left me wondering if there is anyone left in this country that truly cares about their customers. I definitely understood by the end of the four hour ordeal, that, and this is from Chase Carey’s secretary,...
Recent Comments