Browse: Home / Dave Ramsey
By Ed Hinerman on May 16, 2012
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 tells me they probably aren’t messing up every ...read more
Posted in Dave Ramsey, Depression, insurance, life insurance, Sleep apnea | Tagged acceptable to Selectquote, apply two places and take best approval, assumption Selectquote doing the best thing, Dave Ramsey, Dave Ramsey is that the best you do, declined, Depression, getting a second opinion, insurance, life insurance, life insurance declined, mild depression, right thing for the customer, Selectquote, Sleep apnea, sleep apnea life insurance, Zander Insurance
By Ed Hinerman on March 22, 2012
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 truth about that urban legend ...read more
Posted in insurance, life insurance, over 50 life insurance, senior life insurance | Tagged 10 year term, 15 year term, budget, Dave Ramsey, insurance, life insurance, life insurance rates leap, over 50 life insurance, over 60 life insurance, over 70 life insurance, when it lapses you lose, Zander Insurance
By Ed Hinerman on February 20, 2012
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 is all of that if not more. So there are thousands ...read more
Posted in Dave Ramsey, Depression, insurance, life insurance, term insurance | Tagged approved at standard, approved in 3 weeks, Dave Ramsey, Dave Ramsey getting kickback, dumping Zander Insurance, ING Reliastar, insurance, life insurance, life insurance buying ordeal, life insurance quote, quoted preferred plus, Reliastar slowest company in business, save $36k, save 70% on life insurance, thriving highly rated companies, Zander Insurance |
By Ed Hinerman on January 14, 2012
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. And consumer unfriendly, oh my gosh. If you ...read more
Posted in Independent agent, ING Reliastar, insurance, life insurance, term insurance | Tagged % of first year premium, 40% bonus, agent compensation, agent focus on compensation, commission, Dave Ramsey, huge bonuses, ING Reliastar, insurance, life insurance, New York, Selectquote, unfairly treated, won't quote Met Life, won't quote Prudential, Zander Insurance
By Ed Hinerman on January 3, 2012
My New Year’s resolution is to always tell the truth no matter who’s buttons it pushes. I’ve been bullied into backing off of a few blog posts in the past, probably the most memorable being with West Coast Life, but life’s too short and life insurance and your budget are too important. Feathers will be ...read more
Posted in biblical, Dave Ramsey, Depression, insurance, life insurance | Tagged approved at preferred plus with ING, aren;t being treated right, Christian?, Dave Ramsey, Dave's advice, Financial Peace University, getting out of debt, getting the best deal, ING not in the top 10 best rates, insurance, is that the best you can do, life insurance, not paying too much, protecting your budget, quoted ING Reliastar, recommends one agency, sticking to a budget, Zander, Zander doesn't follow Dave Ramsey philosophy, Zander Insurance |
By Ed Hinerman on January 2, 2012
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 serve life insurance buyers over ...read more
Posted in Independent agent, insurance, life insurance, over 50 life insurance | Tagged abused, Business Proverbs, cutting corners, Dave Ramsey, declined, directly cheated a customer, impaired risk life insurance, insurance, Intelliquote, left behind, less than a job well done, life insurance, life insurance over 50, Matrix Direct biased on quotes, Micah 6:11, on line mega agencies, precludes best product and price, Reliaquote, sacrificing quality customer service, Selectquote, West Coast Life, Zander Insurance
By Ed Hinerman on December 12, 2011
I know that when I am shopping for something, for instance a car, I am very straight forward, even blunt, about what I want and how much I am willing to spend. I let the sales person know that it’s OK if they can’t meet my needs, but that changing anything I’ve told them is ...read more
Posted in business life insurance, Infinite banking, International Business insurance, term insurance | Tagged becoming your own banker, Dave Ramsey, David Stearns, deaf ear to budget, dividend paying whole life insurance, emotionally attached to the sale, emotionally detach from your goals, infinite banking, insurance, international business life insurance, life insurance, life insurance over 50, my budget, my budget was toast, term life insurance, viable for age 58, what I want |
By Ed Hinerman on December 3, 2011
I know. It even showed up in my local paper. “Ed Hinerman Says Whole Life Insurance Without Gagging”! Well, the reflex is still there but I have been fighting it while I investigate whether there is a place in my universe for dividend paying whole life insurance that funds “infinite banking”. Is there another over ...read more
Posted in Infinite banking, insurance, life settlements, over 50 life insurance, senior life insurance, whole life | Tagged 401K, 50's, 60's, Dave Ramsey, get out of debt, infinite banking, insurance, investing is cyclical, IRA, life insurance, love my job, mutual funds, no brainer, over 50 life insurance, stock market barometer of global economy, take ira penalty and tax hit, whole life insurance, your own bank |
By Ed Hinerman on November 28, 2011
I often have the budget discussion with people who fall into the less than perfect health category, impaired risk life insurance in the industry. They don’t get the bang for the buck that someone young and healthy, or for that matter over 50 and healthy. My advice is always the same. Don’t throw away an ...read more
Posted in Dave Ramsey, death benefit, insurance, life insurance | Tagged afford it?, budget, Dave Ramsey, death benefit, death benefit reduction, doesn't manage money, impaired risk life insurance, insurance, keeping your budget, lapsed policy, life insurance, policy will lapse, put lower amount in force, something is better than nothing
By Ed Hinerman on October 31, 2011
There seems to be a mindset that life insurance applications probably won’t be approved at the rate that was quoted and applied for. This is a far more prevalent mindset today with so many hundred of thousands of applications being jammed through life insurance sweatshops like Selectquote and Lifequotes.com. These are not fun places to ...read more
Posted in cholesterol, Dave Ramsey, ING Reliastar, insurance, life insurance | Tagged bonus, commission, Dave Ramsey, family history of cancer, impaired risk life insurance, insurance, life insurance, life insurance disaster, Lifequotes.com, mega agency sweatshops, rate applied for, rate quoted, underwriting guidelines, Zander
