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 | May 2, 2019 | Cannabis business life insurance, Independent agent, life insurance
Thankfully, cannabis business life insurance approvals are finally possible! Wow, what a journey this has been and will continue to be for those who make a living in the Cannabis industry. It has been a sad state of affairs for those in the business to be caught...
by Ed Hinerman | Jul 31, 2016 | appropriate life insurance recommendation, approval, clinical underwriting, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
Over the years I’ve talked about the 1% of life insurance companies that actually address both issues that matter the most to clients, approval and price. Being the grandiose kind of guy I am I was thinking about this in the context of a universe of companies,...
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 | Jul 13, 2016 | budget, Independent agent, indexed universal life, insurance, lapse, life insurance, life insurance lapse
Over the years the most common reason I’ve seen for life insurance lapsing is that 1. The life insurance agent didn’t ask or didn’t care what your budget was or 2. You didn’t know or didn’t care what your budget was. I know it seems kind...
by Ed Hinerman | Mar 1, 2016 | application process, approval, bad customer service, bipolar disorder, CEO life insurance, decline, Independent agent, insurance, life insurance
And with that you have applied for life insurance through Selectquote. What am I signing for?” You’re signing for your life insurance application so just take (in my case) your fat finger and pretend you’re signing your name on this tablet screen...
by Ed Hinerman | Jan 29, 2016 | application process, approval, bipolar disorder, business life insurance, CEO life insurance, decline, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
Ah, the sting of being declined or being rated practically to death when you apply for life insurance. Do they really think you are on death’s door or do they just dislike you personally? Perhaps that life insurance company has a quota that limits the amount of...
by Ed Hinerman | Jan 13, 2016 | AIG, application process, customer service, Independent agent, insurance, life insurance, life insurance approval, life insurance underwriting
Oh I wish! While there are still some bastions of sanity in the life insurance industry it seems like they have become few and remote. While I like my vacation islands in that category I can tell you that few and remote is not the way client friendly, good customer...
by Ed Hinerman | Aug 5, 2015 | abnormal labs, approval, bait and switch, bipolar disorder, height and weight, impaired risk life insurance, Independent agent, insurance, lab results, life insurance, lifetime guaranteed UL, medical record acquisition
I just wanted to share a few examples of why it’s important to shop every impaired risk life insurance application for sure and not a bad idea to shop all cases. I’ve beat on this over the years because so many life insurance agents out there are willing...
by Ed Hinerman | Aug 4, 2015 | application process, approval, bipolar disorder, decline, HIV life insurance, HIV Positive, impaired risk life insurance, Independent agent, insurance, life insurance
In the business of serious impaired risk life insurance, I celebrate each victory, and never take it for granted that the next one will be the same or end in an approval. We just got another HIV+ life insurance approval, this time for an executive in a large city...
by Ed Hinerman | Jul 24, 2015 | approval, basal cell carcinoma, family history, Independent agent, insurance, insurance quotes, life insurance, life insurance approval, life insurance underwriting, melanoma, mortality risk, squamous cell carcinoma
Call me naive, but there are almost daily occurrences of me seeing less mortality risk in a life insurance underwriting situation than the majority of underwriters. I get that they are paid to see everything through conservative lenses, but there are times when, to...
by Ed Hinerman | Jul 22, 2015 | application process, approval, budget, children's life insurance, financial adviser, guaranteed level premium, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval, second to die insurance
If all agents and all companies were created equal, well, you might as well get rid of all the agents and created “The Insurance Company”, completely computerized and ready to mistreat everyone on an equal basis. But alas we live in the real world and...
by Ed Hinerman | Mar 31, 2015 | beneficiary, claim, customer service, death benefit, incontestability, Independent agent, insurance, life insurance, life insurance claim, life insurance claim process
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...
by Ed Hinerman | Mar 26, 2015 | approval, beneficiary, customer service, decline, impaired risk life insurance, Independent agent, insurance, insurance quotes, life insurance, life insurance approval, rate increase
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...
by Ed Hinerman | Mar 26, 2015 | application process, compliance, diabetes, impaired risk life insurance, Independent agent, insurance, insurance quotes, life insurance, life insurance underwriting
Since the ING Reliastar cholesterol ratio bell curve debacle 3 years ago I’ve been given to musing about what really goes on behind the closed doors or a life insurance underwriter’s office. Are they in there pouring through records and giving credits and...
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