by Ed Hinerman | Oct 7, 2016 | death benefit, insurance, life insurance, life insurance claim, life insurance claim process
As much as people don’t like insurance companies, well, here’s one more reason. I should be talking about all the reasons to like and trust them, but when they intentionally try to get out of doing the right thing, they are fair game. There is a thing in...
by Ed Hinerman | Oct 5, 2016 | contestability, contestability period, life insurance, life insurance claim
If you ask most people if there is going to be a fight that ensues when they file a claim for life insurance, they would say that the chances of coming out unscathed with the money is slim to none. This is a case of a few cases driving the majority of opinions, often...
by Ed Hinerman | Jun 9, 2016 | bad customer service, customer service, insurance, lapse, life insurance, life insurance claim, life insurance lapse
I got an email blog post today touting a product, a monthly kind of email newsletter, product introduction tool that essentially lets life insurance agents off the hook for true customer service, as in, well, calling their customers annually, sending birthday cards,...
by Ed Hinerman | Oct 22, 2015 | Alcohol Treatment Life Insurance, approval, bipolar disorder, death benefit, Drug Treatment Life Insurance, insurance, life insurance, life insurance claim, life insurance underwriting, physicians life insurance
Abuse of prescription drugs has been a growing problem for a few decades now and life insurance underwriters have tried to balance their reaction of this abuse with alcohol abuse and illegal drug abuse. For the most part the underwriting mirrors that of other...
by Ed Hinerman | Jul 13, 2015 | application process, contestability period, death benefit, insurance, life insurance, life insurance claim
You know, I understand how referring someone, even when your experience was just like it should be, can be awkward. First you’ve had a good experience with a life insurance agent, friendly, personable, efficient and professional. You got what you wanted and...
by Ed Hinerman | Jun 25, 2015 | claim, contestability period, customer service, death benefit, insurance, life insurance, life insurance claim
For all of you out there who long since lost track of your life insurance agent and are filing a claim on your own, let me start by expressing my sincere condolences. That is exactly how the process will start when you call the company to start the process and you...
by Ed Hinerman | Apr 6, 2015 | accelerated death benefit, bad customer service, beneficiary, claim, customer service, honesty, insurance, life insurance, life insurance claim
Voya Insurance, aka Reliastar Insurance, aka ING Reliastar, long one of the most boring companies in the life insurance business, has finally stepped out and away from the crowd. They couldn’t do it with products or underwriting, but they took aim at what every...
by Ed Hinerman | Mar 31, 2015 | beneficiary, claim, customer service, death benefit, incontestability, Independent agent, insurance, life insurance, life insurance claim, life insurance claim process
It’s really not that much work, but there are some unexpected things that pop up during the process that, well, would be handy to know. It might lower the stress level, something that anyone grieving the loss of a loved one would welcome. First let me say...
by Ed Hinerman | Mar 30, 2015 | beneficiary, business life insurance, cancer, customer service, incontestability, insurable interest, insurance, life insurance, life insurance claim, life insurance lapse, life insurance second addressee, partnership business life insurance, stroke
This same subject keeps popping up in new forms. I’ve explained in the past how essential it is for unmarried couples or business partners to have a power of attorney to be able to sign a release of medical records for life insurance in the event that the...
by Ed Hinerman | Jan 7, 2015 | beneficiary, cash value, conversion, Conversion to a permanent product, guarantee, guaranteed level premium, indexed universal life, insurance, life insurance, life insurance claim, term insurance
Isn’t it true of everything in our lives if we’re over 50, change is happening and with life insurance the companies are making sure it is “Advantage Company” in their tennis match with customers. Having lost count of the number of life...
by Ed Hinerman | Jul 1, 2014 | assumptions, beneficiary, compliance, contingent beneficiary, death benefit, insurable interest, insurance, life insurance, life insurance claim
“Dad said he had life insurance but we can’t find a policy and don’t know what company it was with”! “My husband told me not to worry because he had a life insurance policy that would take care of everything, but now that he’s gone...
by Ed Hinerman | Jan 23, 2014 | HIV life insurance, HIV Positive, insurance, life insurance, life insurance claim
I was running life insurance quotes for a client who is HIV positive yesterday. We went through all the questions about when he was diagnosed, the RNA and CD4 levels when he was diagnosed and the fact that his viral load has been undetectable since starting on...
by Ed Hinerman | Jan 2, 2014 | contestability, contestability period, disability income, foreign travel, insurance, life insurance, life insurance claim
I am currently working with the CEO, President and Vice president of a company that has turned global in nature. They currently qualify for disability income insurance based on their past and planned business travel, but are concerned that the limitations set to...
by Ed Hinerman | Oct 17, 2013 | Active Duty Military Life Insurance, insurance, insurance quotes, life insurance, life insurance approval, life insurance claim, Met Life
As much as I’m not a huge fan of the Met Life active duty life insurance stance, after these past few weeks, for those who qualify, it might be worth considering. My gripe with the way they offer their life insurance program for active duty military is that they...
by Ed Hinerman | Aug 21, 2013 | Anxiety, approval, assumptions, bipolar disorder, CEO life insurance, Depression, insurance, life insurance, life insurance approval, life insurance claim
While I believe it would be characterized as mild, there seems to be quite a bit of evidence pointing to the fact that most life insurance companies have gone through a manic period of underwriting mood disorders. For the past several years depression, anxiety and...
Recent Comments