by Ed Hinerman | Apr 24, 2019 | budget, Dave Ramsey, life insurance
My New Year’s resolution is to always tell the truth no matter whose buttons it pushes. I’ve been bullied into backing off of a few blog posts in the past but life’s too short and life insurance and your budget are too important. Feathers will be...
by Ed Hinerman | Jun 9, 2016 | bad customer service, customer service, insurance, lapse, life insurance, life insurance claim, life insurance lapse
I got an email blog post today touting a product, a monthly kind of email newsletter, product introduction tool that essentially lets life insurance agents off the hook for true customer service, as in, well, calling their customers annually, sending birthday cards,...
by Ed Hinerman | Jan 28, 2015 | application process, customer service, honesty, impaired risk life insurance, Independent agent, insurance, insurance quotes, life insurance, life insurance approval
The only reason a sane life insurance agent would quote ING Reliastar, aka Reliastar, aka Voya, is compensation. Understand that there are two, sometimes more, levels of compensation that life insurance companies offer. One is called the “street” level...
by Ed Hinerman | Apr 9, 2014 | cancer, Dave Ramsey, decline, insurance, life insurance, melanoma
Gosh, you know it’s been a while since I’ve heard any real specific griping about why in the world Dave Ramsey would promote Zander Insurance with “Four generations and 80 years experience, unparalleled commitment to service, the best products on the...
by Ed Hinerman | Aug 20, 2013 | AIG, application process, customer service, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
There are some trends in the life insurance industry that occasionally make me wonder if we are glimpsing the future of the business, or are we already there? If life insurance companies could figure out how to get as much business without the use of commission paid...
by Ed Hinerman | May 16, 2012 | Dave Ramsey, Depression, insurance, life insurance, Sleep apnea
I am about to go off on Selectquote again but let me show you the new kinder, gentler side of my opinionated self. Selectquote handles, from what I’ve heard, about 100,000 applications a year. They’ve been the king of the hill for quite a while so that...
by Ed Hinerman | Mar 22, 2012 | insurance, life insurance, over 50 life insurance, senior life insurance
I turned 59 the other day and boy am I glad I already have my life insurance in force. I’ve heard that life insurance over 60 really takes a huge jump. But wait, I heard the same thing about over 50 life insurance and that wasn’t exactly true. The absolute...
by Ed Hinerman | Feb 20, 2012 | Dave Ramsey, Depression, insurance, life insurance, term insurance
SAVE 70% ON LIFE INSURANCE. How often have we seen that little advertising flower bloom on our computer screens. I’ve explained in the past that there really isn’t any magic to that. The spread between the best priced life insurance companies and the worst...
by Ed Hinerman | Jan 14, 2012 | Independent agent, ING Reliastar, insurance, life insurance, term insurance
For a lot of years the state of New York was almost anti social about life insurance. Difficult to the point where a large number of very good life insurance companies that do business in every other state wouldn’t jump through the hoops required in New York....
by Ed Hinerman | Jan 7, 2012 | Anxiety, bipolar disorder, Depression, ING Reliastar, insurance, life insurance
I’ve talked in the past about how some companies will come on like they want to be the industry leader in a niche, only to fall of the radar completely a year or two later. The supposition on my part is that they either hired a new chief underwriter who put a...
by Ed Hinerman | Jan 2, 2012 | Independent agent, insurance, life insurance, over 50 life insurance
I am starting this new year very optimistically. Thanks to the hard work and savvy of my SEO guy we are reaching more and more of you who have been abused, declined or just left behind by agents or agencies that aren’t into doing the work it takes to properly...
by Ed Hinerman | Nov 14, 2011 | insurance, life insurance
Once in a while I’m asked what sets me apart from other agents or especially from the giant online agencies. Why would a person choose to do business with me? My daughter interviewed for a job yesterday and was asked why they should pick her out of the four...
by Ed Hinerman | May 4, 2011 | Dave Ramsey, life insurance, private pilots, term insurance
Dave Ramsey still swears that Zander Insurance is the place to get the best deal on term life insurance. “Use Zander’s online quoting system to search for the most competitive term life insurance plans available”, Dave says. I have a lot of respect...
by Ed Hinerman | Jun 2, 2009 | diabetes, insurance, life insurance, term insurance
No, no. I don’t really think I’m special. Family nickname and joke. “Ed’s done so well they named an entire school curriculum after him.” Ha Ha! Today I want to reflect on this, my 1000th post, and the journey and events of the last 2 1/2...
by Ed Hinerman | Jun 1, 2009 | Dave Ramsey, insurance, life insurance, smoking
I’ve never been seen smoking and I suspect that Dave Ramsey isn’t real big on the habit either, but after spending the last year and a half immersed in Dave Ramsey through his Financial Peace University, I am convinced that Dave Ramsey wouldn’t want...
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