I wrote this in 2017 and, well the world has changed. Time for an update!
Do You Love To Talk About Life Insurance?
Aw, c’mon! Admit that you hide copies of Insurance News Net magazine in your closet. Do you secretly run quotes online for insane amounts of life insurance (who wouldn’t want to know what $300 million would cost)? Or maybe you just run quotes for what you think would be best for your family and then ask your friend’s opinion? And of course you have this blog bookmarked because of the intrinsic lure of hearing how we can turn declined applications for life insurance into approved, affordable policies. Is life insurance the go-to topic when you get together with friends? No?
Well, I don’t like Insurance News Net either. They talk far too much about non-guaranteed life insurance products and not enough about the reality of the challenge so many face when they are trying to protect their family or business. Acquiring life insurance should be as easy as having a chat with a friend.
The “Real Life” Insurance Challenges
For so many who decide to buy life insurance, well, it’s easy. If you’re young and healthy (a good time to buy) you can literally be approved for life insurance two minutes after completing the on line application. But on the flip side of that coin is the CEO who can’t seem to get approved for business life insurance because of a drinking problem that is long past, or the doctor who is being told by USAA that she can’t get the best rate class for her life insurance because she has ADHD. When there are “issues” it’s imperative that you talk about life insurance with an agent that knows how to get the approval you deserve.
A business partnership can suffer because one of the partners can’t get life insurance to fund their half of a buy/sell agreement because one is HIV positive. An attorney can have a horrible time getting family protection life insurance because he has type 1 diabetes. These are the kind of challenges most agents run into and can’t fix. These are the kinds of challenges I seek out and solve. I’ve done it for over 2000 clients in the last 20 years, clients that would have gone without the insurance they needed or paid far more than they should have.
Let Me Be Passionate For You!
I’m passionate about helping solve your life insurance challenge, whether it is due to a health of lifestyle issue or needs the expertise to do business life insurance right. These are both areas where most agents and most companies fall well short of providing the best values and the expertise it takes to do what’s best for the client.
At Hinerman Group we can get business life insurance in force in as little as 5 days for those up against a deadline. We shop every case to 30 of the best companies in the business when it comes to fair pricing for well controlled health issues. Most agents favor one company and call that company’s treatment of your life insurance application ” as good as it gets”. The truth is that the number one cause of life insurance declines or obscenely rated approvals is you chose the wrong agent and that agent chose the wrong company for your situation.
Well, I may not talk you into making life insurance your favorite subject, but the good news is that fixing a bad life insurance experience is just a call or email away. If you know deep down that you have been mistreated or you suspect your life insurance agent really didn’t do their best, call or email me directly. My name is Ed Hinerman. Let’s talk