by Ed Hinerman | Jan 2, 2012 | Independent agent, insurance, life insurance, over 50 life insurance
I am starting this new year very optimistically. Thanks to the hard work and savvy of my SEO guy we are reaching more and more of you who have been abused, declined or just left behind by agents or agencies that aren’t into doing the work it takes to properly...
by Ed Hinerman | Dec 6, 2011 | cholesterol, Independent agent, insurance, insurance quotes, life insurance
Where has our American “get er done” philosophy gone? It seems like I run into cases everyday where a person’s life insurance agent gives up if they application is not approved at the rate they thought their customer would get, or even declined. I...
by Ed Hinerman | Nov 27, 2011 | AARP, guaranteed issue life insurance, Independent agent, insurance, life insurance, New York Life, no exam
For us more seasoned life insurance buyers there is an industry tendency to want to squeeze us all into the same companies and product type, senior life insurance or final expense life insurance. This would be OK 1. if over 60 life insurance needs really did change or...
by Ed Hinerman | Nov 25, 2011 | budget, Independent agent, International Business insurance, life insurance
I subscribe to and have written several articles for InsuranceNewsNet magazine, a trade publication that frequently has useful product information in it. When I wrote this in 2011 InsuanceNewsNet did offer useful product information. In 2019 it seems to have bent to...
by Ed Hinerman | Nov 15, 2011 | business life insurance, Independent agent, insurance, life insurance, over 50 life insurance, pilot, private pilots
There was a long time before my website and blog took off where I was, like most other independent life insurance agents out there, stuck trying to get the most bang for my buck out of purchased life insurance leads. Ten years ago I could spend $20-$25 per lead for...
by Ed Hinerman | Sep 8, 2011 | heart disease, Independent agent, insurance, life insurance, term insurance
Most people are familiar with the standard rate classes for life insurance. From the very best they usually go something like preferred plus, preferred, standard plus, standard. Different companies may call them something different, or only have three standard classes...
by Ed Hinerman | Sep 8, 2011 | Independent agent, insurance, life insurance, professional athlete life insurance
Often lawsuit and divorce settlements contain a stipulation for the mandatory coverage with life insurance until some final event has occurred. In the case of a lawsuit it could be until the full amount awarded is paid and with divorces it could be until a requirement...
by Ed Hinerman | Jul 26, 2011 | bait and switch, cancer, heart disease, Independent agent, insurance, life insurance
I am left shaking my head occasionally when I hear a client say that my quote is much higher than some other quote they have received. Since I shop virtually every case I quote I am confident when I send out quotes, well, they are as good as it is going to be after...
by Ed Hinerman | Jun 15, 2011 | bait and switch, final expense life insurance, Independent agent, insurance, life insurance
After being beat up yesterday by a final expense life insurance agent that didn’t like my opinion of final expense insurance companies, I’m feeling the need to vent. Folks, this is all about life insurance customer service, where the customer comes first...
by Ed Hinerman | Apr 15, 2011 | Independent agent, insurance, life insurance, over 50 life insurance
I have probably been the epitome of redundancy with my non stop rant about the impact of using the wrong life insurance agent almost always leading to the wrong life insurance company which will almost always lead to the wrong result. It is unfortunately true that all...
by Ed Hinerman | Dec 20, 2010 | Independent agent, insurance, life insurance
I started in this business back in 1978 in Wyoming. My “area” was south central Wyoming, home to maybe 40,000 people and 200,000 antelope. I was licensed in Wyoming to do business for Mutual of Omaha and United of Omaha. I don’t really look back at...
by Ed Hinerman | Nov 11, 2009 | bipolar, bipolar disorder, Independent agent, insurance, life insurance
This is a theme I have pounded on for some time. There are the obvious cases where, for instance, someone with bipolar disorder who goes to their Farmers insurance agent should not expect a good outcome. Wrong agent with the wrong company. In that case there is no...
by Ed Hinerman | Aug 24, 2009 | Independent agent, insurance, life insurance
Most business models are built around the premise of keeping your current client base and building on it. Given the premise it’s understandable that a business would be upset about losing a customer. In life insurance that client relationship is certainly true...
by Ed Hinerman | Jun 24, 2009 | Independent agent, insurance, life insurance
An ongoing discussion in this forum is the fact that for so many, the rates you end up paying for life insurance are higher than they need to be simply because you used the wrong agent who used the wrong company. I just want to review a few scenarios where, if your...
by Ed Hinerman | May 12, 2009 | Anxiety, bipolar, bipolar disorder, Depression, Independent agent, insurance, insurance quotes, life insurance
We’ve done a lot of work for clients with mild to moderate, usually situational, depression or anxiety disorders. The truth is the more crazed and frenetic our society and lifestyle become, the more people are looking for a little bit of help coping. It’s...
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