by Ed Hinerman | Feb 20, 2013 | business life insurance, Independent agent, insurance, life insurance, life insurance approval, physicians life insurance
I had an interesting scenario pop up while I was on vacation. Pam hates it when I get side tracked by life insurance when I am supposed to be recharging my batteries, but the truth is my job is fun and batteries can be recharged in more than one way. So I devoted a...
by Ed Hinerman | Oct 6, 2012 | bait and switch, customer service, honesty, Independent agent, insurance, insurance quotes, life insurance, life insurance approval
I had an experience with Direct TV yesterday that left me wondering if there is anyone left in this country that truly cares about their customers. I definitely understood by the end of the four hour ordeal, that, and this is from Chase Carey’s secretary,...
by Ed Hinerman | Jul 31, 2012 | impaired risk life insurance, Independent agent, insurance, life insurance, pilot, private pilots, professional car racing
I’ve been working some particularly tough impaired risk life insurance cases lately and it really drove it home to me that if a person with higher risk life insurance impairment is using an agent who only represents one or two or three companies, they have...
by Ed Hinerman | Jul 18, 2012 | conversion, illustration, Independent agent, insurance, life insurance, universal life
As promised in my last post this is a letter written by a 79 year old man in Ohio to the state insurance commissioner. He was sold a conversion on a term policy 10 years ago and was told by the agent that it would be a paid up, guaranteed in force forever policy, in...
by Ed Hinerman | Jun 21, 2012 | accidental death, financial adviser, Independent agent, insurance, life insurance
According to the US Census bureau about 2.5 million people die every year in the United States. That’s from all causes and all ages. Assuming all days are equal that means that about 6850 people die every day in our country. This is going to get a little deep...
by Ed Hinerman | May 17, 2012 | heart attack, Independent agent, insurance, life insurance, prostate cancer, PSA
When a life insurance agent presents something to a life insurance customer as a fact, customers generally believe it to be a fact and make their future plans accordingly. The believe life insurance agents are honest and knowledgeable and depend on their advice and...
by Ed Hinerman | May 10, 2012 | Independent agent, insurance, insurance quotes, life insurance
Some years ago, like 7 or 8 years, I tried doing some on line trading of stocks. After a couple of months it was obvious I was horrible at it so I hung up my trading software and haven’t been back. To this day I still get calls from stock brokers who always...
by Ed Hinerman | May 8, 2012 | Independent agent, insurance, insurance quotes, life insurance, liver functions
As much as I run across this, it’s sad to know that there are probably as many inaccurate life insurance quotes given each day as there are accurate life insurance quotes. The reason is that most life insurance agents don’t know how the underwriting works...
by Ed Hinerman | Apr 24, 2012 | guarantee, Independent agent, insurance, insurance quotes, life insurance, universal life, variable universal life
It’s an interesting view from here. I’m not sure what the equivalent would be for someone who doesn’t write almost daily for years. Maybe just looking back at pictures of how you’ve changed? I’ve picked out half a dozen blog posts from...
by Ed Hinerman | Apr 5, 2012 | customer service, death benefit, Independent agent, insurance, life insurance, life insurance claim, life insurance claim process
What day Ed? It’s a strange thought process I go through some days preparing to add to this heap of my opinion called Ed Hinerman On Life Insurance. I started to write this yesterday and got off on a tangent that was so full of myself it triggered my gag reflex....
by Ed Hinerman | Apr 3, 2012 | conversion, Independent agent, insurance, life insurance, term insurance, West Coast Life, whole life
If I’ve gone a month in the last three years without talking about conversion options and the mean spirited way some life insurance companies have treated it, forgive me. There is nothing I am quite so passionate about as beating the ugly truth completely to...
by Ed Hinerman | Mar 15, 2012 | application process, impaired risk life insurance, Independent agent, insurance, insurance quotes, life insurance
I’ve been working on a life insurance case that was recently approved. The client let me know that he had applied through another agent before he found my blog and decided to give me a shot. I am always certain that I’ve quoted the best price available so...
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 | Feb 20, 2012 | bipolar, bipolar disorder, Independent agent, insurance, life insurance
I have decided to completely reverse my feeling about online mega agencies such as Selectquote and Accuquote. I have repeatedly inferred that they are the scum of the life insurance industry, that volume of business is more important than customer service, and that...
by Ed Hinerman | Jan 14, 2012 | Independent agent, ING Reliastar, insurance, life insurance, term insurance
For a lot of years the state of New York was almost anti social about life insurance. Difficult to the point where a large number of very good life insurance companies that do business in every other state wouldn’t jump through the hoops required in New York....
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