by Ed Hinerman | Aug 1, 2016 | application process, appropriate life insurance recommendation, bad customer service, customer service, insurance, life insurance
OK, let’s be real. This is not the most expensive thing you’ve ever bought. Cars and houses lead that category, but customer service after the sale for cars and real estate is distinctly lacking. It’s certainly not the most often used. Your...
by Ed Hinerman | Jul 31, 2016 | adverse selection, customer service, insurance, insurance quotes, life insurance
I suppose it’s no different than any other industry. It grows and someone learns how to do it better, then faster, then faster and better, then faster without better, then it morphs into something that doesn’t really serve anyone’s needs other than...
by Ed Hinerman | Jul 31, 2016 | appropriate life insurance recommendation, approval, clinical underwriting, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
Over the years I’ve talked about the 1% of life insurance companies that actually address both issues that matter the most to clients, approval and price. Being the grandiose kind of guy I am I was thinking about this in the context of a universe of companies,...
by Ed Hinerman | Jul 30, 2016 | application process, cancer, claim, contestability, contestability period, death benefit, grace period, heart attack, incontestability, insurance, life insurance
Part of being in the life insurance business, neck deep as I am, is the fact that sooner or later there are claims. If a life insurance agent sells a lot of products and a few of those are life insurance policies they might retire with only a claim or two to walk...
by Ed Hinerman | Jul 29, 2016 | accelerated death benefit, accidental death, acts of war or terrorism, dangerous occupation life insurance, foreign travel, insurance, International Business insurance, life insurance, mountain climbing, student pilot
At first thought, accidental death insurance seems quite simplistic and obvious without the need for much explanation. But you know me. Why let something obvious go without an explanation. You might be surprised at the number of inquiries I get asking what exactly...
by Ed Hinerman | Jul 27, 2016 | cigar smokers, customer service, family history, insurance, life insurance, tobacco use change, underwriting change
There is good news and bad news for me and my life insurance clients. The good news is that there are a few constants that we can hold fast to and take to the bank year after year in life insurance underwriting. It seems that those that qualify for the best rate class...
by Ed Hinerman | Jul 26, 2016 | angioplasty, approval, attending physician statement, bypass surgery, clinical underwriting, coronary artery disease (CAD), family history, heart attack, heart disease, insurance, life insurance
Coming off a post just a few days ago where I beat the compliance drum into a lather because that is what life insurance underwriters want to see, I turn around and shop a case where all of the underwriters fly in the very face of what they said and what I repeated. I...
by Ed Hinerman | Jul 25, 2016 | budget, insurance, insurance quotes, life insurance, life insurance approval, over 50 life insurance, shopping for the best life insurance
For the sake of this post let’s assume that from a life insurance perspective we would all live to about 90, well above the average mortality rate at least for Americans. And we’ll call that perfect! So life insurance should be free, right, if we all live...
by Ed Hinerman | Jul 23, 2016 | appropriate life insurance recommendation, assumptions, guarantee, illustration, indexed universal life, insurance, life insurance, second to die insurance
I get email advertising all the time from life insurance companies wanting to catch me in a weak moment and get me to jump on board with some breed of indexed universal life. Any breed really. Whether it is simple life insurance, or a bolder approach to wealth...
by Ed Hinerman | Jul 21, 2016 | clinical underwriting, Depression, impaired risk life insurance, insurance, life insurance, major depressive disorder, mood disorder life insurance
Not that long ago I wrote a post about how some companies are just missing too much good, easy, clean, actuarially sound life insurance business because they are writing the impairment and not the person. It’s like we’ve heard people say in every...
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