by Ed Hinerman | Apr 18, 2009 | Dave Ramsey, insurance, life insurance, Prudential, term insurance
There are several options available for paying your life insurance premium. To see it advertised you would think that the only options are monthly. Of course the reason for advertising monthly rates is well known. Giving a potential customer sticker shock by making...
by Ed Hinerman | Apr 18, 2009 | insurance, life insurance, term insurance
I know Selectquote blows a cork every time I say something about them, but I have contended in the past that their after the sale customer service is non existent and I would just like to reiterate that point. As discussed in a recent post, there is actually great...
by Ed Hinerman | Apr 18, 2009 | ING Reliastar, insurance, life insurance, term insurance
Some years ago Reliastar, a perennial powerhouse in the term insurance business, seemed to fall to pieces. They quit communicating with agents and their underwriting started to take so long that agents that cared actually started to be concerned about the length of...
by Ed Hinerman | Apr 17, 2009 | life insurance, ratings
First published 4/17/2009, updated 11232109 Since the economic meltdown of 2008 more people have asked if the life insurance companies I recommend are financially sound. Fair question! Here at Hinerman Group we use A.M. Best as the benchmark for what companies we...
by Ed Hinerman | Apr 16, 2009 | cancer, heart attack, private pilots, term insurance
All right guys, you can take a break. I already know how most of you feel about life insurance. If it’s free you’ll take some but if it gets into your beer or bass boat money, well, a guy has to have his priorities, right? Ladies, in general men have two...
by Ed Hinerman | Apr 15, 2009 | diabetes, heart disease, insurance, life insurance
I’ve written plenty about the road that someone with diabetes has to deal with in getting life insurance, but for just a few minutes I’d like to step out of my life insurance shoes for a minute and talk about the critical issue of those who don’t...
by Ed Hinerman | Apr 15, 2009 | insurance, life insurance, Prudential, term insurance, universal life, variable universal life, whole life
I have spent the last few weeks highly encouraging fence sitting customers to make a move if they truly want the deal of the century on term life insurance. While Prudential’s 4-5% increase in term insurance rates will still keep them competitive, when you...
by Ed Hinerman | Apr 15, 2009 | bipolar, bipolar disorder, breast cancer, cancer, coronary artery disease (CAD), decline, Depression, Independent agent, insurance, life insurance, obesity, Sleep apnea
I’ve certainly questioned the IQ of more than one life insurance underwriter over the years. I may have even insinuated that a few didn’t even make into on to the IQ scale. But the truth is there are two types of underwriters working on life insurance...
by Ed Hinerman | Apr 14, 2009 | A1c, American Diabetes Association, decline, diabetes, Independent agent, insurance, life insurance, obesity, Type 1 diabetes, Type 2 diabetes
This is a verbatim copy of the life insurance information page that the American Diabetes Association provides its’ members with. It’s important to note that much of what was written was put in place when a company called US Financial was still in...
by Ed Hinerman | Apr 14, 2009 | American Diabetes Association, diabetes, insurance, life insurance, Type 1 diabetes, Type 2 diabetes
About three weeks ago I had written about an attempt to help the American Diabetes Association with their less than professional information concerning life insurance for those with diabetes. It remains my contention that if an advocacy group is not going to provide...
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