by Ed Hinerman | Oct 11, 2016 | business life insurance, CEO life insurance, executives, insurance, last minute life insurance, life insurance
With personal life insurance there is very seldom a reason to panic if there is a delay or an unexpected decline that needs to be worked on to overcome. I know it happens anyway (the panic), especially when there has been a decline, but given a little time and the...
by Ed Hinerman | Oct 11, 2016 | bad customer service, conversion, customer service, insurance, life insurance, term insurance
Well gosh, it makes no sense to run from good customer service if you’re the customer. Especially a life insurance customer, and I say that for reasons I’ll explain in this post. You want it. It makes you feel respected. You deserve it!! But here’s...
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 | Oct 3, 2016 | application process, guarantee, indexed universal life, insurance, life insurance, rate increase, retirement life insurance, term insurance, universal life
This is the 2015 version of the age old question, why term versus whole life? Some of the answers are the same and some are vastly different, I would say even dangerously different for those who are serious about their needs and just looking for the right product to...
by Ed Hinerman | Sep 23, 2016 | decline, impaired risk life insurance, insurance, life insurance
How many times have conversations with prospective life insurance clients started with, “I was declined by 1, 2 or even 6 companies so I’m sure I’m not insurable”!! Let me just jump up and say that you aren’t that one life insurance agent...
by Ed Hinerman | Sep 22, 2016 | customer service, guarantee, insurance, life insurance
Oops is one of those words you don’t want to hear from a surgeon or a life insurance agent. Oops, I meant to remove the other kidney! Oops I forgot to do an life insurance annual review so you would remember that your policy, one being paid on an automatic bank...
by Ed Hinerman | Sep 21, 2016 | business life insurance, buy/sell life insurance, guaranteed issue life insurance, insurance, insurance quotes, life insurance, life insurance exam, over 50 life insurance
A query about life insurance yesterday from a 58 year old with no health history, no family history and no current treatment and a great build led to quotes at a preferred plus level. A return email today asked me to quote a worse rate class doubting that someone his...
by Ed Hinerman | Sep 19, 2016 | customer service, financial adviser, impaired risk life insurance, insurance, life insurance
I’ve been a part of the past and the present in the life insurance business. In the past you might get a card in the mail asking if you wanted a life or health insurance agent to come by and discuss the products with you face to face, across the dinner table. In...
by Ed Hinerman | Sep 14, 2016 | bipolar disorder, blood pressure, Depression, insurance, life insurance, life insurance underwriting
Oh, for the fortunate few who find the right doctor who hits on the right medication for their mood disorder the first time, making life insurance a simple process. One day it presents as an annoyance and the next as less than that. But more common is the medication...
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