Insurance agents annual reviews have gotten a bad name over the years and with some justification. Some agents see it only as an opportunity to sell more and kind of do service as an aside. But don’t underestimate the value of those annual calls. I know before I call a life insurance client I always review [...]

Post from: Ed Hinerman On Life Insurance

The Power Of Agents That Service Their Customers!

America has spent trillions of dollars monitoring, spying on and fighting enemies abroad since its’ inception. Now it would appear that we are being overtaken from the inside, not by armed terrorists, but by fat. Obesity is out to kick our behinds. Now I’ve got good news when it comes to availability of affordable life insurance [...]

Post from: Ed Hinerman On Life Insurance

The Obesity Challenge For Our Country!

I went to the big city with my wife the other day. Now understand that I dislike shopping about as much as a person can, but a couple of times a year I will give in, amuse my wife, and do it with a smile. That is in sharp contrast to shopping for the best life [...]

Post from: Ed Hinerman On Life Insurance

The Power Of Shopping!

Not a week goes that I am not called by someone with a history of cancer. It can be as common and treatable as prostate cancer or breast cancer, or as unpredictable as multiple myeloma. They would like to have life insurance, just like anyone, but insurance quotes take more information and leg work than [...]

Post from: Ed Hinerman On Life Insurance

You Can’t Get From Here To There Without It!!

I’ve often heard and read several places that most men will get prostate cancer to some degree if they live to a moderately old age. The good news is that, for many, it will have little or no impact on their lives or their mortality. For a great many they will, as the theory goes, [...]

Post from: Ed Hinerman On Life Insurance

Life Insurance Still Affordable For Most Prostate Cancer Survivors!

Like cancer and car accidents, there are probably very few of us who haven’t been touched by the loss of a relative or someone we know by suicide. I try to address this sensitive issue a couple of times a year just because I believe a lot of life insurance claims go unpaid when the [...]

Post from: Ed Hinerman On Life Insurance

Make Sure A Claim Is Filed!!!

“My great concern is not whether you have failed, but whether you are content with your failure.”–Abraham Lincoln Well, Abe was certainly easier to please than me. When it comes to protecting your family future with life insurance, with the very rare exception of someone who is simply not insurable, failure is not an option. For [...]

Post from: Ed Hinerman On Life Insurance

Is Not Enough Really OK?

Yesterday I offered a post about term insurance versus whole life. There was on piece of the puzzle I left out, a particularly disturbing one since, first and foremost a life insurance agent should be all about making sure there is enough death benefit to take care of the family. I have a young couple as [...]

Post from: Ed Hinerman On Life Insurance

Should I Stick To My Budget For Life Insurance?

Clients being ever vigilant for the fine print or hidden costs occasionally ask how I get paid. The core of the question for them is, of course, any additional cost they might incur above and beyond the premium. Almost all life insurance agents are paid on a commission basis by the company. For term insurance it [...]

Post from: Ed Hinerman On Life Insurance

How Do Life Insurance Agents Get Paid?

If there is a common thread through the whole life insurance application/underwriting experience, it’s that those applying tend to underplay their mortality while feeling like underwriters really overplay the whole mortality thing. Life insurance pricing and mortality risk evaluation is far from a perfect science. If it was “perfect” and absolutely fair to everyone, there would [...]

Post from: Ed Hinerman On Life Insurance

Mortality Reality!