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Browse: Home / filing a claim

filing a claim

10 Question Pop Quiz On Your Term Life Insurance Policy!

By Ed Hinerman on January 5, 2012

A lot has changed over the past 30 some years in life insurance. Products have been invented and disposed of. Bells and whistles have been implemented and some of them have been disposed of. With a few notable exceptions though, the basic term life insurance policy hasn’t changed much. When’s the last time you had ...read more

Posted in accelerated death benefit, conversion, insurance, lapse, life insurance, reinstatement | Tagged accelerated benefit, agents don't stay in touch, basic term life insurance policy, change payment modes, conversion option, conversion option changed, dangerous hobby, filing a claim, grace period, important clauses, insurance, life insurance, life insurance agent, non smoker, options in term insurance, policy as a smoker, policy lapse, premium guaranteed to remain level, quit smoking lower premiums, reinstatement, review on an annual basis, terminally ill

You Lost Your Life Insurance Policy?

By Ed Hinerman on February 17, 2010

I get one of these calls every month or so. A client can’t remember where they put their life insurance policy. It’s not a huge deal to fix the problem, or at least to get a new policy. The larger problem is that if you can’t find your life insurance policy, how much information does ...read more

Posted in beneficiary, insurance, life insurance | Tagged agent, beneficiary, filing a claim, insurance, life insurance, lost life insurance policy, Medical Information Bureau, MIB, spouse

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We Really DO Come Through for our Clients.

“Thank you so much for the effort you put into securing my husband’s life insurance policy. As a person diagnosed with bi-polar type II, he was treated as nearly impossible to insure by our old insurance agent. Yet, he is fully functioning with this disease and has a flourishing career. You were able to hear our frustrations about the stigma attached to the bi-polar label--that all bi-polar patients are depressive or suicidal-- and teach the insurance company’s underwriter the difference between a functioning bi-polar II adult and a person whose disease is far more of a liability to an insurance company. Thank you for the effort you put into securing my husband’s policy; with your help, we ended up with a policy that costs the same as a healthy, non-smoking, non-bi-polar adult. Moreover, your service as our agent was impeccable. You followed up every step of the way. We can’t wait to tell others--with or without illness-- about your service.”
Kate & Sean


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