by Ed Hinerman | Mar 19, 2016 | Anxiety, Attention Deficit Disorder, bipolar disorder, Depression, insurance, life insurance, life insurance approval, mood disorder life insurance
Life insurance companies are humorous in the way they run toward good business and just as easily get cold feet and run away from it. They’ve told us since God created the heavens and the earth and life insurance that the factors that make up life insurance...
by Ed Hinerman | Mar 17, 2016 | business life insurance, buy/sell life insurance, CEO life insurance, insurable interest, insurance, International Business insurance, key man insurance, life insurance
The nice thing about having your own business is that, at least within the law, no one can tell you how to run it. We can recommend all we want that you flip those burgers just 15 seconds earlier or that you use gluten free beer in your beer battered fish filet, but...
by Ed Hinerman | Mar 15, 2016 | application process, customer service, insurance, life insurance, life insurance approval
When I first got a taste of the insurance business I was 25 and got hired by Mutual of Omaha. Back in those days there was a real emphasis on training, some good and some not so good. After I started I spent two weeks all expense paid vacation (school) in Omaha and I...
by Ed Hinerman | Mar 14, 2016 | age nearest, backdating to save age, customer service, insurance, insurance quotes, life insurance, life insurance approval
How many phone calls or emails have I received suggesting that I must have made a mistake on a client’s life insurance quote because they’re really, for instance, age 50, not 51. Trust me! At my age adding a year to my life that I haven’t earned yet...
by Ed Hinerman | Mar 8, 2016 | application process, approval, bipolar disorder, business life insurance, doctor's recommendation, insurance, life insurance, life insurance approval, life insurance exam, life insurance underwriting
So here you are. You’ve made up your mind that you need life insurance to protect your family or your business. You’ve found an agent that you are comfortable with, an agent that seems knowledgeable about different types and reasons for life insurance,...
by Ed Hinerman | Mar 7, 2016 | Hep C Cure, hepatitis, impaired risk life insurance, insurance, life insurance, liver functions
I’m sure I had millions of people sitting by their computers waiting for me to follow up on my post a week and a half ago on how life insurance companies were going to treat the new cures for Hepatitis C. OK, I probably had the same two that are always there,...
by Ed Hinerman | Mar 5, 2016 | application process, approval, bipolar disorder, decline, insurance, life insurance, Medical Information Bureau, no exam, simplified issue life insurance
Let’s give a few minutes to the subject of simplified issue life insurance , aka no exam life insurance. If most life insurance companies ask a litany of health and background questions and require an exam with a full blood and urine workup, how can another ask...
by Ed Hinerman | Mar 1, 2016 | application process, approval, bad customer service, bipolar disorder, CEO life insurance, decline, Independent agent, insurance, life insurance
And with that you have applied for life insurance through Selectquote. What am I signing for?” You’re signing for your life insurance application so just take (in my case) your fat finger and pretend you’re signing your name on this tablet screen...
by Ed Hinerman | Feb 24, 2016 | assumptions, bad customer service, bait and switch, guaranteed level premium, illustration, insurance, life insurance
Over the course of the last 30 years of being in and around the life insurance business I’ve seen agents and companies (and customers) make the products into the cure, the panacea, the over simplification and the shortcut to their end goal. Keep in mind that...
by Ed Hinerman | Feb 22, 2016 | application process, buy/sell life insurance, CEO life insurance, Ex Patriot life insurance, Foreign National Life Insurance, insurance, International Business insurance, life insurance, retirement life insurance
I have a mentor/friend/business partner in life insurance of sorts in Denver who is a few years older than me (we have the 60’s covered) and we have kicked around retiring in Panama for a few years. The idea of Caribbean or Central American retirement certainly...
by Ed Hinerman | Feb 22, 2016 | CEO life insurance, death benefit, insurance, key man insurance, life insurance, over 50 life insurance, retirement life insurance
Retirement in 1975 meant a gold watch or some other trinket and a check in the mail every month. That was 40 years ago and I suspect if you look far enough you can find people that still retire like that, but the new retirement norm is a whole different scene. And...
by Ed Hinerman | Feb 9, 2016 | application process, business life insurance, decline, insurance, life insurance, life insurance exam
I have run into a dearth (something just short of infinity) of people over the last 18 years in life insurance who have decided that getting proper coverage for their business or family is just going to be too much work, or the game will be rigged so that no matter...
by Ed Hinerman | Jan 29, 2016 | application process, approval, bipolar disorder, business life insurance, CEO life insurance, decline, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
Ah, the sting of being declined or being rated practically to death when you apply for life insurance. Do they really think you are on death’s door or do they just dislike you personally? Perhaps that life insurance company has a quota that limits the amount of...
by Ed Hinerman | Jan 26, 2016 | ADHD, Anxiety, approval, bipolar disorder, breast cancer, business life insurance, CEO life insurance, compliance, decline, Depression, insurance, life insurance, life insurance approval, physicians life insurance
Now there’s a calming thought. You’re still alive, traumatized from head to toe from a car to moose gathering on the highways of Maine and you’ve made it to the hospital. The doctor and nurse start working and you relax as you know that you are with...
by Ed Hinerman | Jan 20, 2016 | business life insurance, buy/sell life insurance, CEO life insurance, income replacement, insurable interest, insurance, key man insurance, life insurance
There’s nothing quite like that feeling when life reaches a plateau where your job or your business are fun and making money. You’ve got it made or at least got it by the tail and now you can just work hard and put it on cruise control, right? I will be...
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