health

How Important Are Guarantees?

By Ed Hinerman on September 28, 2010

I know. I know. The boy that cried wolf, right? “Make sure the insurance you have has a guaranteed rate for as long as you’re going to need it”……”Don’t buy any insurance that doesn’t have a guaranteed level premium”!!! I’ve honked this horn for so long and so obnoxiously I’m surprised that I haven’t been ...read more

Posted in insurance, John Hancock, life insurance, long term care | Tagged guaranteed, health, insurance, John Hancock, life insurance, long term care, non guaranteed, rate increase, term insurance, universal life, whole life

Should You Take Offense To A Standard Rate Offer For Life Insurance?

By Ed Hinerman on June 7, 2010

A lot of people understand why and know that a standard rate approval is coming on life insurance and are happy to get it. On the other side of the coin are those that receive a standard rate approval and are taken aback by it, taking offense to not receiving a better offer. Let’s see ...read more

Posted in insurance, life insurance, mortality, mortality risk | Tagged approval, average, cholesterol, family history, HDL, health, insurance, life insurance, mortality, mortality risk, motor vehicle violations, obesity, standard rate

“Ed, I just wanted to drop you a line. I wanted to Thank You for your professionalism in following up with my request for insurance. I was feeling a little down when I was turned down by two companies due to the PSA results. When I applied with your company I thought I would be turned down also, but I guess all agents aren’t created equal. Hey just wanted to let you know that I will recommend your services to any one that I know who may be looking for Life Insurance.”

source: Steve M

health

How Important Are Guarantees?

Should You Take Offense To A Standard Rate Offer For Life Insurance?

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

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