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 | 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 1, 2016 | application process, appropriate life insurance recommendation, bad customer service, customer service, insurance, life insurance
OK, let’s be real. This is not the most expensive thing you’ve ever bought. Cars and houses lead that category, but customer service after the sale for cars and real estate is distinctly lacking. It’s certainly not the most often used. Your...
by Ed Hinerman | Jul 14, 2016 | application process, bad customer service, beneficiary, claim, contingent beneficiary, customer service, Independent agent, insurance, life insurance
I’m not talking about setting your clock backward or forward. Sure not talking about your underwear cause I just don’t get that personal. What I’m talking about is changes to your life insurance. Did your child tick you off and you still have them as...
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 | 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 | Oct 5, 2015 | assumptions, bad customer service, compliance, conversion, Conversion to a permanent product, death benefit, guarantee, honesty, insurance, lapse, life insurance, no lapse guarantee, universal life
Call AXA life insurance customer service sometime at 800-877-6810 and hear,”Welcome to AXA Life Service Center WHERE WE CONTINUE TO REDEFINE STANDARDS”. The question immediately comes to mind for me, knowing the track record of AXA, wouldn’t they be...
by Ed Hinerman | Sep 3, 2015 | bad customer service, bait and switch, claim, Conversion to a permanent product, guarantee, insurance, lapse, life insurance, Protective Life
I’ll leave the definition of “It” up to the reader. In a Protective Today newsletter release dated 8/31/2015, Dave Sheridan, a vice president and national sales manager for Protective Life felt the need to help agents understand why they are a much...
by Ed Hinerman | Aug 4, 2015 | application process, approval, bad customer service, bipolar disorder, insurance, insurance quotes, life insurance, life insurance approval
A colleague and I both watched a Selectquote television ad the other night and the next morning I won the race to call him and cry foul. For years we’ve debated that fine line between active bait and switch in life insurance quoting and just being too stupid to...
by Ed Hinerman | Jun 8, 2015 | bad customer service, bait and switch, budget, cash value, guarantee, guaranteed level premium, honesty, indexed universal life, insurance, life insurance, life insurance lapse, lifetime guaranteed UL, loyal customers, rate increase, universal life
Transamerica Life Insurance, formerly Transamerica/Occidental Life may have just taken over the coveted position in the life insurance industry that Protective Life has held for years, the Turd In The Punchbowl Award. They sent out the this email today announcing that...
by Ed Hinerman | Apr 6, 2015 | accelerated death benefit, bad customer service, beneficiary, claim, customer service, honesty, insurance, life insurance, life insurance claim
Voya Insurance, aka Reliastar Insurance, aka ING Reliastar, long one of the most boring companies in the life insurance business, has finally stepped out and away from the crowd. They couldn’t do it with products or underwriting, but they took aim at what every...
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