by Ed Hinerman | Mar 22, 2012 | insurance, life insurance, over 50 life insurance, senior life insurance
I turned 59 the other day and boy am I glad I already have my life insurance in force. I’ve heard that life insurance over 60 really takes a huge jump. But wait, I heard the same thing about over 50 life insurance and that wasn’t exactly true. The absolute...
by Ed Hinerman | Mar 19, 2012 | accidental death, civilian contractors, Civilian War Zone Coverage, foreign travel, insurance, insurance quotes, life insurance
With the amount of business rolling in for people working in AFghanistan and Iraq as civilian contractors it seemed an appropriate time to take a look at some of the other worldwide dangerous occupations where people are not going to find off the shelf accidental...
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 | Mar 8, 2012 | estate tax attorney, estate taxes, financial adviser, insurance, life insurance, term insurance
What do estate tax attorneys and financial planners have in common? Short,fat and bald? Maybe but not the answer I’m alluding to. They’re both working to keep the money you make in your family! Another good answer but still not quite where I was headed....
by Ed Hinerman | Mar 6, 2012 | accidental death, Active Duty Military Life Insurance, foreign travel, High Limit AD and D, insurance, life insurance, missionaries, professional car racing
We’ve talked a lot over the years about exclusions in life insurance policies. There’s the dark side which is mostly urban legend. The cases we’ve all heard about where, a claim is denied because a person died in a car accident after suffering a...
by Ed Hinerman | Mar 1, 2012 | application process, insurance, life insurance, term insurance
Our office has always been about getting the job done for our life insurance clients and getting a policy in force as soon as possible. I could probably be labeled a little obsessive compulsive about the application process, but I believe my logic is sound....
by Ed Hinerman | Feb 28, 2012 | Alcohol Treatment Life Insurance, decline, diabetes, Drug Treatment Life Insurance, insurance, life insurance, prostate cancer
I got an email from a life insurance agent today asking me if I could recommend a guaranteed issue life insurance company in Massachusetts. He indicated that he had run into several clients that were uninsurable and wanted to find the best company to write graded...
by Ed Hinerman | Feb 27, 2012 | disability, disability income, insurance, life insurance
I’ve been working with an oral surgeon recently on his life insurance and he asked about disability income also. He makes nearly $1 million a year, obviously very good at what he does. He’s part of a large dental group with 300 or so offices nationwide so...
by Ed Hinerman | Feb 25, 2012 | business life insurance, insurance, life insurance, term insurance, travel insurance
With the introduction several years ago of 30 year term insurance and no lapse guarantee universal life, which is essentially a term for life, some agents have lost sight of the fact that there are legitimate short term needs for life insurance. It wasn’t that...
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 23, 2012 | bipolar, bipolar disorder, Depression, insurance, life insurance
The way 99.9% of life insurance companies treat people with bipolar disorder drives me nuts. I’m not talking about an insurance company that fully underwrites an application and finds out something really sketchy in a person’s history. What slays me is...
by Ed Hinerman | Feb 22, 2012 | heart attack, high blood pressure, insurance, insurance quotes, life insurance, obesity
I’m all for rounding off. I mean if I owed someone $9 and I had a ten in my wallet and they didn’t have change I would call it good. I know. I know. One of the reasons I’m not filthy rich or any other kind of rich. There is something of a rounding...
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 | Feb 20, 2012 | Dave Ramsey, Depression, insurance, life insurance, term insurance
SAVE 70% ON LIFE INSURANCE. How often have we seen that little advertising flower bloom on our computer screens. I’ve explained in the past that there really isn’t any magic to that. The spread between the best priced life insurance companies and the worst...
by Ed Hinerman | Feb 17, 2012 | accidental death, civilian contractors, Civilian War Zone Coverage, insurance, life insurance
I know there are agents that giggle all the way to the bank when they get an opportunity to sell a new policy and replace someone’s existing insurance, even though the existing insurance is still good for the client. I’ve had a lot of clients, or would be...
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