Zander Insurance Still Putting Their Comp Ahead Of Clients!

by | Jan 28, 2015 | application process, customer service, honesty, impaired risk life insurance, Independent agent, insurance, insurance quotes, life insurance, life insurance approval

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!

by | Jan 20, 2015 | business life insurance, buy/sell life insurance, customer service, impaired risk life insurance, Independent agent, insurance, International Business insurance, life insurance, life insurance approval, private pilots

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...

Why Is A Life Insurance Standard Rate So, Standard?

by | Dec 29, 2014 | application process, approval, coronary artery disease (CAD), decline, Independent agent, insurance, life insurance, life insurance approval, over 50 life insurance, Type 1 diabetes

There is absolutely nothing wrong with being approved for life insurance at a standard rate class or higher, unless you qualify for a better rate class through another company. There are a large number of companies that don’t even offer multiple rate classes....

Final Expense Whole Life In Perspective!

by | Sep 17, 2014 | AARP, conversion, Conversion to a permanent product, Independent agent, insurance, insurance quotes, life insurance, Protective Life, term insurance, Type 2 diabetes, whole life

I got a call a few days ago from a couple who are both 74 years old. They have had Protective term life insurance in force for several years and decided to look at converting $25,000 for final expense purposes since their conversion option ends next year. Seeing...

Aviation Life Insurance, Then and Now!

by | Jun 23, 2014 | CEO life insurance, hazardous activities, Independent agent, insurance, life insurance, life insurance approval, life insurance underwriting, pilot, private pilots, student pilot

With the economy doing a little better private pilots, aviation instructors and commercial pilots are checking their life insurance and getting back off the ground. When a gallon of fuel was worth almost as much as the aircraft especially the private pilots and...

Impaired Risk Business Life Insurance Success!

by | Jun 12, 2014 | business life insurance, buy/sell life insurance, CEO life insurance, customer service, executives, impaired risk life insurance, Independent agent, insurance, life insurance

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...

CEO Gone Fishing Life Insurance!

by | Apr 18, 2014 | business life insurance, buy/sell life insurance, CEO life insurance, executives, impaired risk life insurance, Independent agent, insurance, International Business insurance, key man insurance, life insurance, over 50 life insurance

I found out yesterday that business life insurance isn’t always for what I would call work related purposes. I got a call from the founder, CEO and chief laborer of a company that films shark fishing. Interesting case because literally what the key man life...

Did You Or Your Life Insurance Agent Lie On That Application?

by | Feb 27, 2014 | AIG, application process, assumptions, contestability, honesty, Independent agent, insurance, life insurance, life insurance approval, life insurance underwriting

I’ve often shared how frustrating it is from my perspective to be helping a client who is having trouble getting life insurance, and have them compound the seriousness of the work by lying to me, or being less than candid. Well hang on to your shorts life...

Life Insurance Predictive Models! Will Agents Be Able To Implement?

by | Sep 19, 2013 | abnormal labs, application process, approval, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval

  We’ve had an ongoing dialog the past month or so about life insurance predictive models or methodologies and how the life insurance industry might embrace and use this new technology to both help clients get better rates and put a more solid floor in...

Working Your Way To The Best Life Insurance Rates!

by | Apr 5, 2013 | Alcohol Treatment Life Insurance, application process, approval, budget, compliance, decline, impaired risk life insurance, Independent agent, insurance, life insurance

Because of the nature of impaired risk life insurance, many of my clients start out just hoping for an approval (usually after several declines), but they soon find out that approval isn’t my end game. I don’t just want declines turned into approvals. I...