by Ed Hinerman | Jan 11, 2012 | cash value, guarantee, indixed universal life, Infinite banking, insurance, life insurance
A few days ago another agent took offense to my obviously uneducated view that indexed universal life is a poor excuse for a life insurance product, especially in the context of infinite banking. He commented on a post by starting with “I’m sure your completely...
by Ed Hinerman | Jan 9, 2012 | accidental death, civilian contractors, Civilian War Zone Coverage, disability income, foreign travel, insurance, life insurance, Lloyds of London
I am working with a group of men on their war zone coverage, who have been waiting for three months now to start a series of one month trips to Iraq and Afghanistan to do finish work on some newly constructed airport facilities. As is becoming more common in Iraq...
by Ed Hinerman | Jan 7, 2012 | cholesterol, HDL, insurance, life insurance
I recently shared about an insurance applicant who was approved by Transamerica at table 4 due to some admirably huge lipid readings. His Trigs were 862, total cholesterol 348 and HDL/total ratio 9.25. I encouraged him to take those results directly to his doctor. I...
by Ed Hinerman | Jan 7, 2012 | Anxiety, bipolar disorder, Depression, ING Reliastar, insurance, life insurance
I’ve talked in the past about how some companies will come on like they want to be the industry leader in a niche, only to fall of the radar completely a year or two later. The supposition on my part is that they either hired a new chief underwriter who put a...
by Ed Hinerman | Jan 6, 2012 | A1c, bipolar disorder, cancer, heart disease, insurance, life insurance
It would interesting to understand the psychology of an average life insurance agent. I know that there are plenty of truly lazy agents out there who, it appears, have a template that your life insurance application needs to fit into. If it doesn’t fit they...
by Ed Hinerman | Jan 6, 2012 | insurance, life insurance, life settlements
Quoting Senator Bill Nelson from 2002, “Buying lottery winnings and life insurance policies has become a routine practice. Buying veterans’ retirement and disability benefits, however, has the semblance of predatory lending…” OK. Let’s...
by Ed Hinerman | Jan 5, 2012 | accelerated death benefit, conversion, insurance, lapse, life insurance, reinstatement
A lot has changed over the past 30 some years in life insurance. Products have been invented and disposed of. Bells and whistles have been implemented and some of them have been disposed of. With a few notable exceptions though, the basic term life insurance policy...
by Ed Hinerman | Jan 4, 2012 | bipolar disorder, decline, insurance, life insurance
I was grazing through Twitter today and came across this gem by Miki Strong, “Transparency in biz earns you trust & respect from your ideal client and filters out those who you’re not ideally suited to help”. It was one of those moments like...
by Ed Hinerman | Jan 4, 2012 | business life insurance, buy/sell life insurance, death benefit, insurance, lapse, life insurance, reinstatement, senior life insurance
Did you know that you have the right to name a second person to receive bills and notices for your life insurance policy? I have no idea what the number really is, but I am betting the number of death benefits that aren’t paid every year due to a policy lapsing...
by Ed Hinerman | Jan 3, 2012 | Foreign National Life Insurance, foreign nationals, insurance, life insurance
As I ease my way into this market it is becoming clear that there are a lot of foreign nationals outside of the US who would like to own US life insurance and it is also becoming clear that it isn’t nearly as cumbersome a task as you might think. Are there hoops...
by Ed Hinerman | Jan 2, 2012 | bipolar, bipolar disorder, insurance, life insurance
I suspect that two things will stay very much the same in 2012. Politics will attempt to suffocate us all and I will be able to reach growing numbers of those with bipolar disorder in the their quest to be treated fairly in acquiring life insurance. Since starting my...
by Ed Hinerman | Jan 2, 2012 | Independent agent, insurance, life insurance, over 50 life insurance
I am starting this new year very optimistically. Thanks to the hard work and savvy of my SEO guy we are reaching more and more of you who have been abused, declined or just left behind by agents or agencies that aren’t into doing the work it takes to properly...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
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