by Ed Hinerman | Oct 23, 2009 | insurance, life insurance, no exam
I got an application in the mail yesterday from a Garden State Life It came with a (dang it) non-negotiable sample death benefit check and all of the emotional verbiage they could come up with in order to convince you to act now and don’t take time to check out...
by Ed Hinerman | Oct 22, 2009 | insurance, life insurance
I just got an email a few minutes ago. A client died in a car accident two weeks ago and I helped his widow complete the claim forms and make sure she really didn’t have to deal with the process. Today’s email from MONY Life simply said: This is to inform...
by Ed Hinerman | Oct 22, 2009 | business life insurance, insurance, life insurance
I certainly don’t want to be seen as jumping on the pro excessive pay band wagon for executives, CEO’s and Presidents of companies, but there are some company financial health issues that can and should be addressed in the life insurance arena. It happens...
by Ed Hinerman | Oct 22, 2009 | insurance, life insurance
Forgive the title to this post, but thank God we have women in this country who will do what is needed to keep family’s finances intact. I read an article today that referred to the current recession as a “mancession” due to the fact that more men...
by Ed Hinerman | Oct 22, 2009 | beneficiary, insurance, life insurance
Back in the day….In a much simpler time there used to be a stock answer to how much life insurance a person should carry. There was no real need for a drawn out needs analysis. Life was simple. How much life insurance do I need? Well, ten times your annual...
by Ed Hinerman | Oct 21, 2009 | insurance, life insurance, term insurance
I recently shopped a term insurance case where the results were spread all over the spectrum of responses. Several companies declined to make offers. Some would only say highly rated at best. This was a case where a 39 year old woman had a superior mesenteric artery...
by Ed Hinerman | Oct 21, 2009 | beneficiary, insurance, life insurance
When we’re going through this whole thing of applying for and eventually putting in force a life insurance policy, often there is a very valuable talk with the beneficiary of that insurance that gets overlooked. You can really start with the basics and believe...
by Ed Hinerman | Oct 20, 2009 | insurance, life insurance
We got a preferred rate approval on a client today. This is a client who had come to me after feeling, well, jerked around and lied to by Selectquote. The Selectquote agent who worked with this client was all about banging out an approval and moving on to the next...
by Ed Hinerman | Oct 19, 2009 | conversion, insurance, life insurance, West Coast Life
A little over a week ago I wrote a post about my email conversation with West Coast Life concerning their decision to do away with fully guaranteed conversion products. I was a bit put off when I got an out of the office email from the marketing vice president...
by Ed Hinerman | Oct 16, 2009 | insurance, life insurance, life settlements
Life settlements, for the life insurance industry, is kind of like when you’ve been whacked in the face and it hurts, but the swelling and discoloration of the black eye hasn’t shown up yet. Life settlements or viatical sales of life insurance policies has...
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