insurance Archives | Hinerman Group

Top Ten Independent Life Insurance Agents In The Country

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...

Quotacy Life Insurance Reviews: Bait And Switch A La Carte!

by Ed Hinerman | Apr 17, 2019 | bait and switch, impaired risk life insurance, insurance, life insurance

A la carte means you get what you want and Quotacy is one of the stand out life insurance quote offerings that gives it to you – not the way it really is, but the way you want it. They have taken the art of life insurance bait and switch to its simplest and most...

Beat To Death With Life Insurance Sales

by Ed Hinerman | Feb 8, 2019 | insurance, insurance quotes, life insurance

There is the very real possibility that if you ask for a life insurance quote on line that you may get a call within seconds, seriously within seconds, of hitting the “Get a Quote” button. The on line life insurance quote game. I was looking into the life...

Key Person Business Life Insurance.

by Ed Hinerman | Dec 5, 2018 | business life insurance, Cannabis business life insurance, CEO life insurance, insurance, key man insurance, life insurance

For the next few weeks I am going to pick apart and try to make sense of business life insurance in all of its’ different forms. Just like personal life insurance, business life insurance is meant to take the burden off of a company in the same way that personal...

Will Your BNP Result In A Life Insurance Decline?

by Ed Hinerman | Nov 6, 2018 | atrial fibrillation, business life insurance, CEO life insurance, insurance, life insurance, life insurance approval

So, BNP (natriuretic peptide). What the heck is it? In layman’s terms (so I can understand it), BNP is a protein release by the heart that could indicate congestive heart failure. But listen up all of you life insurance underwriters……It could mean...

Don’t Make The Wrong Choice With Life Insurance After Age 50

by Ed Hinerman | Nov 6, 2018 | AARP, application process, buy/sell life insurance, insurance, life insurance, life insurance approval, life insurance exam, over 50 life insurance, over 60 life insurance

Here I go again busting another urban myth propagated by life insurance companies and organizations that people over age 50 should quit taking life insurance exams and start turning to smaller, over priced life insurance policies. Honestly in the feeble minds of...

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LATEST POSTS

Is Replacing Life Insurance A Bad Idea?

Dec 6, 2019

Why would you replace one life insurance policy with a new one? There are some important and ongoing questions when you own life insurance like does the policy meet your needs and Is the policy affordable? These are questions that should both elicit a yes answer when...

How Does Marijuana Use Affect Life Insurance Rates?

Dec 6, 2019

The Overview Up until about six years ago life insurance companies that would approve someone who admitted smoking pot, approved them at the same smoking rates that applied to cigarette smokers. There wasn't a lot of underwriting logic to that decision other than pot...

What Can You Do About Being Declined For Life Insurance?

Dec 4, 2019

Are you blackballed when you are declined for life insurance? In the 18th century blackballing was simply voting using a black versus white ball. In more recent times it came to mean a removing someone from consideration. Being blackballed Is serious stuff no matter...