by Ed Hinerman | Jul 29, 2016 | accelerated death benefit, accidental death, acts of war or terrorism, dangerous occupation life insurance, foreign travel, insurance, International Business insurance, life insurance, mountain climbing, student pilot
At first thought, accidental death insurance seems quite simplistic and obvious without the need for much explanation. But you know me. Why let something obvious go without an explanation. You might be surprised at the number of inquiries I get asking what... by Ed Hinerman | Apr 6, 2015 | accelerated death benefit, bad customer service, beneficiary, claim, customer service, honesty, insurance, life insurance, life insurance claim
Voya Insurance, aka Reliastar Insurance, aka ING Reliastar, long one of the most boring companies in the life insurance business, has finally stepped out and away from the crowd. They couldn’t do it with products or underwriting, but they took aim at what every... by Ed Hinerman | Jul 23, 2013 | accelerated death benefit, impaired risk life insurance, insurance, life insurance
I am always hesitant to give much attention to bells and whistles added to life insurance. Historically the bells and whistles have been a way to drive up the premium with little or almost no risk that the life insurance company will ever have to engage in paying out.... by Ed Hinerman | Dec 7, 2012 | accelerated death benefit, civilian contractors, Civilian War Zone Coverage, dangerous occupation life insurance, High Limit AD and D, insurance, life insurance
There are some downsides to being raised in a place and by parents that molded me into a trusting person. Several months ago I was approached by two guys who wanted me to partner with them and process all of the business from their Afghanistan website for... by Ed Hinerman | Feb 25, 2012 | accelerated death benefit, conversion, customer service, guarantee, honesty, Independent agent, insurance, life insurance
If good customer service cost less than bad customer service, which would you choose. Trick question, right? Let me qualify that question a little. If you knew ahead of time that you were making a major purchase that offered little or no customer service after the... 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...
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