by Ed Hinerman | Apr 1, 2013 | application process, approval, diabetes, ING Reliastar, insurance, life insurance, Sleep apnea
$12 a month! 70% lower life insurance rates! Just pennies a day! Between the internet and tv there can’t possibly be a person left that doesn’t know that somehow, somewhere people might qualify for really cheap insurance. But how do you know when...
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....
by Ed Hinerman | Jan 7, 2012 | Anxiety, bipolar disorder, Depression, ING Reliastar, insurance, life insurance
I’ve talked in the past about how some companies will come on like they want to be the industry leader in a niche, only to fall of the radar completely a year or two later. The supposition on my part is that they either hired a new chief underwriter who put a...
by Ed Hinerman | Oct 31, 2011 | cholesterol, Dave Ramsey, ING Reliastar, insurance, life insurance
There seems to be a mindset that life insurance applications probably won’t be approved at the rate that was quoted and applied for. This is a far more prevalent mindset today with so many hundred of thousands of applications being jammed through life insurance...
by Ed Hinerman | Apr 28, 2009 | guarantee, ING Reliastar, insurance, life insurance, universal life, variable universal life, whole life
Till I’m blue in the face!!! Does the word guarantee mean anything to anyone? It seems like perfectly sensible people’s eyes fog over as soon as someone flashes totally non guaranteed, unsubstantiated, unproven life insurance projections in front of them....
by Ed Hinerman | Apr 22, 2009 | AIG, ING Reliastar, insurance, life insurance, Prudential
I got a Matrix Direct email today that may shed a little more light on one of the reasons AIG isn’t cutting it. AIG’s American General Life owns the big on line agency Matrix Direct. Not a bad idea for a company that has done so well on line to have their...
by Ed Hinerman | Apr 20, 2009 | ING Reliastar, insurance, life insurance, Lincoln National, Prudential, term insurance, universal life, variable universal life, whole life
Can you feel it building? It started as a trickle around the first of the year with the announcement that a few companies were considering either discontinuing or raising the rates on the universal life no lapse guarantee products. It didn’t take any huge leap...
by Ed Hinerman | Apr 18, 2009 | ING Reliastar, insurance, life insurance, term insurance
Some years ago Reliastar, a perennial powerhouse in the term insurance business, seemed to fall to pieces. They quit communicating with agents and their underwriting started to take so long that agents that cared actually started to be concerned about the length of...
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