by Ed Hinerman | Aug 2, 2012 | basal cell carcinoma, breast cancer, cancer, insurance, life insurance, life insurance approval, melanoma, prostate cancer, squamous cell carcinoma
OK. I made it up just to get your attention. No, seriously. Companies are just blowing me away with the offers and approvals they are giving on low stage and grade cancers. In this case I have a company approving a policy at preferred 3 months after a melanoma was...
by Ed Hinerman | Dec 6, 2011 | cholesterol, Independent agent, insurance, insurance quotes, life insurance
Where has our American “get er done” philosophy gone? It seems like I run into cases everyday where a person’s life insurance agent gives up if they application is not approved at the rate they thought their customer would get, or even declined. I...
by Ed Hinerman | Sep 8, 2011 | heart disease, Independent agent, insurance, life insurance, term insurance
Most people are familiar with the standard rate classes for life insurance. From the very best they usually go something like preferred plus, preferred, standard plus, standard. Different companies may call them something different, or only have three standard classes...
by Ed Hinerman | Aug 9, 2011 | insurance, life insurance, mortality, mortality risk, term insurance, whole life
The 70% savings lure in life insurance advertising is probably been so used that it is a brand by itself. Never mind the companies the promote it, who wouldn’t want to save 70% over what they are currently paying for a comparable life insurance product. So, the...
by Ed Hinerman | Aug 5, 2011 | insurance, life insurance, professional athlete life insurance
There is a mistaken belief that people that have really great incomes, like professional athletes, don’t really need life insurance. The assumption is you have a large income you probably have it managed so that your family would be taken care of if you died...
by Ed Hinerman | Jul 26, 2011 | bait and switch, cancer, heart disease, Independent agent, insurance, life insurance
I am left shaking my head occasionally when I hear a client say that my quote is much higher than some other quote they have received. Since I shop virtually every case I quote I am confident when I send out quotes, well, they are as good as it is going to be after...
by Ed Hinerman | Apr 15, 2011 | Independent agent, insurance, life insurance, over 50 life insurance
I have probably been the epitome of redundancy with my non stop rant about the impact of using the wrong life insurance agent almost always leading to the wrong life insurance company which will almost always lead to the wrong result. It is unfortunately true that all...
by Ed Hinerman | Jan 5, 2011 | decline, insurance, life insurance
I’ve always said that a life insurance decline is really not a bad place to start. Obviously it’s more fun to get approved at the best rate the first time around, but most of my clients come to me because they have health issues. They call or email because...
by Ed Hinerman | Dec 20, 2010 | Independent agent, insurance, life insurance
I started in this business back in 1978 in Wyoming. My “area” was south central Wyoming, home to maybe 40,000 people and 200,000 antelope. I was licensed in Wyoming to do business for Mutual of Omaha and United of Omaha. I don’t really look back at...
by Ed Hinerman | Nov 12, 2010 | insurance, life insurance, private pilots
It hasn’t been that long ago that life insurance for private pilots cost just the same as for every other person with their same health. The only downside to those good old days was that life insurance companies excluded aviation life insurance coverage. It...
by Ed Hinerman | May 18, 2010 | diabetes, heart attack, insurance, life insurance
I know I’ve beat this drum before, but there is a real propensity in the life insurance business for agents to be so protective of a potential sale that they will actually tell a customer they are uninsurable, rather than admit they are the wrong agent for the...
by Ed Hinerman | Feb 24, 2010 | bipolar, bipolar disorder, decline, insurance, life insurance
So you just got declined for life insurance and you’ve decided that life insurance companies suck. The truth is you may have just had a goose lay a golden egg for you. So, the good news in a decline? It almost always means that you either had the wrong agent or...
by Ed Hinerman | Feb 16, 2010 | death benefit, insurance, life insurance
I’m often asked when a policy is declined or highly rated, if it would make a difference if we lowered the face amount of the insurance. In the mind of the consumer is the not so crazy thought that if the life insurance company is exposing itself to less risk...
by Ed Hinerman | Jan 16, 2010 | heart attack, insurance, life insurance
Part of the life insurance business is helping clients understand that companies weigh the mortality risk of each client, and the higher the risk, the higher the premium. I’m often asked by, say, someone who has experienced a heart attack, why the insurance...
by Ed Hinerman | Jan 11, 2010 | insurance, life insurance
Genworth Life, the former First Colony branch of GE Financial slipped under the radar of a lot of us in the business with a major change in their build chart. The new chart was actually released in late October but really didn’t start getting any attention until...
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