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 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 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...
by Ed Hinerman | Sep 1, 2016 | business life insurance, CEO life insurance, executives, insurance, international medical insurance, key man insurance, life insurance
Life insurance protection should be considered any time that the the death of the principle of a business, whether the CEO, President, CFO, major shareholder or partner would have a major impact or cause some kind of financial chaos upon their death. We’ve...
by Ed Hinerman | Aug 29, 2016 | assumptions, guarantee, indexed universal life, insurance, life insurance, universal life, variable universal life
I watched a Bear Bryll show recently. Yes, I’m a fan because I truly don’t know where my wife might choose to get rid of me and I might have some Bear nugget that will prevent my life insurance being used before it’s time. Anyway, many of you may...
by Ed Hinerman | Aug 25, 2016 | appropriate life insurance recommendation, bad customer service, guarantee, honesty, insurance, life insurance
Yet another announcement yesterday from a top of the line life insurance company. No names but it rhymes with Lincoln. I’ve warned, screamed and hollered over the years that assumed interest rates aren’t just assumed, but simply unsustainable so I want you...
by Ed Hinerman | Aug 16, 2016 | contractual understanding, death benefit, grandparent life insurance, insurance, life insurance
In spite of the best guidance and advice there are times when life insurance just doesn’t get the job done. I know I’ve probably said it a few thousand times, that some life insurance is better than nothing, but in the absence of a well thought out plan...
by Ed Hinerman | Aug 11, 2016 | appropriate life insurance recommendation, customer service, HIV life insurance, insurance, life insurance
How do you know if someone really cares about what they do? If they don’t stop putting the information out there, never stop trying to reach just one more person, because for my clients it’s help that is on the way. I’ve been writing in this forum...
by Ed Hinerman | Aug 10, 2016 | disability, disability income, insurance, insurance quotes, life insurance, replacement of income, traumatic brain injury
I had a long talk with myself, a luxury of being bipolar, about death and the protection that a well thought out life insurance program can give loved ones or business partners. But then I took a step back and looked at it from the perspective of what if a person...
by Ed Hinerman | Aug 6, 2016 | acts of war or terrorism, Civilian War Zone Coverage, decline, foreign travel, insurance, life insurance
I’m working with husband and wife clients currently that plans on visiting Ukraine in the next few months, albeit Western Ukraine where the lack of action is the norm. So how does life insurance view this? It may not be a once in a life time visit, but it is...
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