by Ed Hinerman | Aug 29, 2016 | assumptions, guarantee, indexed universal life, insurance, life insurance, universal life, variable universal life
I watched a Bear Bryll show recently. Yes, I’m a fan because I truly don’t know where my wife might choose to get rid of me and I might have some Bear nugget that will prevent my life insurance being used before it’s time. Anyway, many of you may...
by Ed Hinerman | Aug 25, 2016 | appropriate life insurance recommendation, bad customer service, guarantee, honesty, insurance, life insurance
Yet another announcement yesterday from a top of the line life insurance company. No names but it rhymes with Lincoln. I’ve warned, screamed and hollered over the years that assumed interest rates aren’t just assumed, but simply unsustainable so I want you...
by Ed Hinerman | Aug 16, 2016 | contractual understanding, death benefit, grandparent life insurance, insurance, life insurance
In spite of the best guidance and advice there are times when life insurance just doesn’t get the job done. I know I’ve probably said it a few thousand times, that some life insurance is better than nothing, but in the absence of a well thought out plan...
by Ed Hinerman | Aug 11, 2016 | appropriate life insurance recommendation, customer service, HIV life insurance, insurance, life insurance
How do you know if someone really cares about what they do? If they don’t stop putting the information out there, never stop trying to reach just one more person, because for my clients it’s help that is on the way. I’ve been writing in this forum...
by Ed Hinerman | Aug 10, 2016 | disability, disability income, insurance, insurance quotes, life insurance, replacement of income, traumatic brain injury
I had a long talk with myself, a luxury of being bipolar, about death and the protection that a well thought out life insurance program can give loved ones or business partners. But then I took a step back and looked at it from the perspective of what if a person...
by Ed Hinerman | Aug 6, 2016 | acts of war or terrorism, Civilian War Zone Coverage, decline, foreign travel, insurance, life insurance
I’m working with husband and wife clients currently that plans on visiting Ukraine in the next few months, albeit Western Ukraine where the lack of action is the norm. So how does life insurance view this? It may not be a once in a life time visit, but it is...
by Ed Hinerman | Aug 4, 2016 | assumptions, guarantee, guaranteed level premium, insurance, lapse, life insurance, lifetime guaranteed UL, no lapse guarantee, whole life
I had a life insurance case some years ago where I was able to help a client replace a Mass Mutual whole life policy that was on the cusp of imploding. What I mean by that is that to the untrained eye, the client’s, the policy seemed to be doing just fine. It...
by Ed Hinerman | Aug 3, 2016 | application process, CEO life insurance, Ex Patriot life insurance, executives, Foreign National Life Insurance, foreign nationals, high net worth, insurance, International Business insurance, life insurance
I’m considering Lasik surgery and as with all things medical in the US I was kind of ticked off when I saw the prices and then, how unpatriotic of me, compared them to a vacation to Costa Rica that happened to include the same medical procedure at a state of the...
by Ed Hinerman | Aug 2, 2016 | ADHD, Anxiety, bipolar disorder, CEO life insurance, Depression, executives, insurance, life insurance, life insurance approval
Well before I was known for being someone with bipolar disorder, a reasonably stable, high functioning someone with bipolar disorder, I was the go to guy in the US, most of Canada, Mexico, Central America and the Caribbean for those in need of life insurance who...
by Ed Hinerman | Aug 1, 2016 | application process, appropriate life insurance recommendation, bad customer service, customer service, insurance, life insurance
OK, let’s be real. This is not the most expensive thing you’ve ever bought. Cars and houses lead that category, but customer service after the sale for cars and real estate is distinctly lacking. It’s certainly not the most often used. Your...
Recent Comments