by Ed Hinerman | Nov 10, 2020 | customer service, honesty, life insurance
I wrote this post the summer of 2016, a much simpler time in our country. The problem I addressed then is still around and just adding to the challenges our nation faces. I am updating this post because the fundamental question of who you trust always needs to remain...
by Ed Hinerman | Oct 20, 2020 | customer service, life insurance
I wrote this nearly 4 years ago and on review there are a number of points that need updated, so here you go. Do You Really Have The Best Price On Your Life Insurance? There are a number of ways you can end up paying too much for your life insurance like 1. Not all...
by Ed Hinerman | Aug 13, 2019 | customer service, Independent agent, insurance, life insurance
If you look that up on Google, on the first page, all of the offerings are about life insurance companies (top 10 companies). There is one that talks about 13 agents who wrote monster life insurance policies. But, let’s consider what you would want if you...
by Ed Hinerman | Dec 8, 2016 | Conversion to a permanent product, customer service, insurance, life insurance, life insurance replacement
MetLife announced today that they are discontinuing sales early next year of all life insurance products, which leaves me wondering if it’s legal to call yourself MetLife when you aren’t really in the life insurance business anymore. So why this drastic...
by Ed Hinerman | Oct 26, 2016 | budget, customer service, honesty, insurance, life insurance, life insurance approval
Well, aren’t I just full of myself. I hope I don’t come off that way, but honestly there are numerous strengths we have that you can’t just find by the luck of the draw. There are 200,000 plus life insurance agents out there and without flinching I...
by Ed Hinerman | Oct 11, 2016 | bad customer service, conversion, customer service, insurance, life insurance, term insurance
Well gosh, it makes no sense to run from good customer service if you’re the customer. Especially a life insurance customer, and I say that for reasons I’ll explain in this post. You want it. It makes you feel respected. You deserve it!! But here’s...
by Ed Hinerman | Sep 22, 2016 | customer service, guarantee, insurance, life insurance
Oops is one of those words you don’t want to hear from a surgeon or a life insurance agent. Oops, I meant to remove the other kidney! Oops I forgot to do an life insurance annual review so you would remember that your policy, one being paid on an automatic bank...
by Ed Hinerman | Sep 19, 2016 | customer service, financial adviser, impaired risk life insurance, insurance, life insurance
I’ve been a part of the past and the present in the life insurance business. In the past you might get a card in the mail asking if you wanted a life or health insurance agent to come by and discuss the products with you face to face, across the dinner table. In...
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 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...
by Ed Hinerman | Jul 31, 2016 | adverse selection, customer service, insurance, insurance quotes, life insurance
I suppose it’s no different than any other industry. It grows and someone learns how to do it better, then faster, then faster and better, then faster without better, then it morphs into something that doesn’t really serve anyone’s needs other than...
by Ed Hinerman | Jul 27, 2016 | cigar smokers, customer service, family history, insurance, life insurance, tobacco use change, underwriting change
There is good news and bad news for me and my life insurance clients. The good news is that there are a few constants that we can hold fast to and take to the bank year after year in life insurance underwriting. It seems that those that qualify for the best rate class...
by Ed Hinerman | Jul 14, 2016 | application process, bad customer service, beneficiary, claim, contingent beneficiary, customer service, Independent agent, insurance, life insurance
I’m not talking about setting your clock backward or forward. Sure not talking about your underwear cause I just don’t get that personal. What I’m talking about is changes to your life insurance. Did your child tick you off and you still have them as...
by Ed Hinerman | Jun 9, 2016 | bad customer service, customer service, insurance, lapse, life insurance, life insurance claim, life insurance lapse
I got an email blog post today touting a product, a monthly kind of email newsletter, product introduction tool that essentially lets life insurance agents off the hook for true customer service, as in, well, calling their customers annually, sending birthday cards,...
by Ed Hinerman | Mar 15, 2016 | application process, customer service, insurance, life insurance, life insurance approval
When I first got a taste of the insurance business I was 25 and got hired by Mutual of Omaha. Back in those days there was a real emphasis on training, some good and some not so good. After I started I spent two weeks all expense paid vacation (school) in Omaha and I...
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