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Who Is The Key To The Success Of Your Business?

Who, if they left your company or died without adequate life insurance, would derail your company? Maybe it wouldn’t put you out of business but for at least a while you would experience chaos at a business level. It could be that the reputation of the CEO, with...

How Easy Is It To Collect On Life Insurance

It’s really not that much work, but there are some unexpected things that pop up during the process that, well, would be handy to know. It might lower the stress level, something that anyone grieving the loss of a loved one would welcome. First let me say...

Do You Have A Power Of Attorney?

This same subject keeps popping up in new forms. I’ve explained in the past how essential it is for unmarried couples or business partners to have a power of attorney to be able to sign a release of medical records for life insurance in the event that the...

So You Are Taking Your Bat And Ball And Going Home?

They would probably have a holiday named after me if every customer walked away completely satisfied but you just get more customers when almost all of them do. It’s OK because personally I think we have over done the holiday thing especially because if the...

Business Succession Life Insurance Isn’t Just Fluff!

As a business person I can tell you that just the suggestion by someone that I should purchase something else to benefit my business makes me, well, underwhelmed with enthusiasm. I know the problem extends way beyond business and centers around the fact that there are...

Never Let Your Life Insurance Lapse Accidentally!

I just got off the phone with a guy who missed the end of the grace period on his $1 million life insurance policy by 3 days. He called and asked for forgiveness and was told that he could fill out a reinstatement application and, if approved, the policy would be...

Zander Insurance Still Putting Their Comp Ahead Of Clients!

The only reason a sane life insurance agent would quote ING Reliastar, aka Reliastar, aka Voya, is compensation. Understand that there are two, sometimes more, levels of compensation that life insurance companies offer. One is called the “street” level...

When It Rains, It Snows!

I, we, Hinerman Group, just completed our reunification move to Colorado. Every once in a while I make bad decisions (moving to NM where it rains), but I am more known for my brilliance (coming back to CO where it snows). With that move I am promising more of the same...

Five Practical Applications of Business Life Insurance!

I’ve helped orchestrate business life insurance for everything from the simple loan collateral policy to complicated stock repurchase plans, but what all business life insurance has in common is business succession, making sure the business survives in the event...

Impaired Risk Business Life Insurance Success!

Most of us who have sold or applied for life insurance understand the whole rate class thing. We all want to get preferred plus, the best rate class, but we aren’t all qualified to be approved that way. So the goal becomes a mission to get life insurance...