• BLOG
  • Home
  • About Ed
  • Life Insurance Services
  • FAQ
  • Life Insurance Glossary
  • Contact Ed
  • Life Insurance Testimonials
Ed Hinerman On Life Insurance
HIgh Risk Life Insurance Consultant
  • Specialty Insurance
    • High Limit AD and D
    • Civilian War Zone Coverage
    • Foreign National Life Insurance
    • International Business insurance
    • Active Duty Military Life Insurance
  • Health Impairment
    • Obesity Life Insurance
    • Breast Cancer Life Insurance
    • Prostate Cancer Life Insurance
    • Epilepsy Life Insurance
    • Diabetes Life Insurance
    • Sleep Apnea Life Insurance
  • Mental Impairment
    • Bipolar Life Insurance
    • Depression Life Insurance
    • Anxiety Life Insurance
    • Drug Treatment Life Insurance
    • Alcohol Treatment Life Insurance
  • Pilot Insurance
    • Student Pilot Life Insurance
    • Flight Instructor Life Insurance
    • Private Pilot Life Insurance
    • Airline Pilot Life Insurance
    • Commercial Pilot Life Insurance
Browse: Home / exam

exam

The Final Expense Feeding Frenzy!

By Ed Hinerman on September 15, 2010

When I go through my daily Google Alerts to keep current with life insurance related matters, one of the topics I follow is “Final Expense Life Insurance”. More than any other topic I follow this is absolutely riddled with a combination of bad advice and invitations to sell final expense life insurance. This is where ...read more

Posted in final expense life insurance, insurance, life insurance, senior life insurance, whole life | Tagged burial policy, cash value, conversion, exam, final expense life insurance, guaranteed issue, health questions, insurance, life insurance, no exam, senior life insurance, simplified issue, term insurance, universal life, whole life

Is Term Insurance Still A Good Choice For Seniors?

By Ed Hinerman on August 18, 2010

When a person gets into their 60′s, 70′s and above there is a real life insurance industry tendency to try to shove them into the final expense market, even at a time when people are working longer and have larger needs than most final expense policies offer. So let’s break this down and look at ...read more

Posted in AARP, insurance, life insurance, senior life insurance, term insurance, whole life | Tagged AARP, conversion, exam, final expense insurance, grandchildren, guaranteed, insurance, life insurance, Minnesota Life, New York Life, no exam, not guaranteed, retirement, senior life insurance, term insurance, whole life insurance

Get Er Done!

By Ed Hinerman on May 27, 2010

I’ve heard the excuses for not getting that life insurance bought, and I’ve had plenty of people not return calls because they know their excuses are lame. I want to put it off until I lose a little more weight! I don’t want to apply until I’ve been a non smoker for a year! My ...read more

Posted in insurance, life insurance | Tagged application, cholesterol, exam, excuses, insurance, life insurance, policy in force, smoking, weight

Bait And Switch Only Works If You Let It!

By Ed Hinerman on July 25, 2009

The biggest of the on line life insurance agencies is a master at tying up customers and shielding them from the truth and often better deals that might come from competitors. Bait and switch is the first line of offense or tactic. I’ll use a very recent true example. A client called Selectquote and completed ...read more

Posted in insurance, life insurance | Tagged anti depressant, bait and switch, Banner Life, exam, insurance, life insurance, Paxil, Selectquote, tactic

Call Ed Hinerman for a free life insurance quote you can trust 866-539-7914.

Free Life Insurance Quote

Tags

Anxiety bipolar bipolar disorder blood pressure breast cancer business life insurance cancer cholesterol conversion decline Depression diabetes estate taxes heart attack heart disease high blood pressure Independent agent insurance insurance quotes life insurance obesity private pilots prostate cancer PSA stroke term insurance Type 1 diabetes Type 2 diabetes universal life whole life

We Really DO Come Through for our Clients.

“Ed, I just have to tell it like it is. We wouldn’t have life insurance on my husband if we hadn’t found you. So many agents and companies just blew him off or declined him because of his heart attack that we almost gave up. Thanks to you our business and my future are now secure if something happens.”
K Graham in Sedona, Arizona


RSS feed RSS feed
comments RSS feed RSS comments
BBB - Better Business Bureau
Licensed to sell life insurance in all 50 states
National Association of Insurance and Financial Advisors
BBB - Better Business Bureau

Copyright © 2013 Ed Hinerman On Life Insurance | Privacy Policy | Site Map | Ed Hinerman • (866) 539-7914 • info@hinermangroup.com