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By Ed Hinerman on April 1, 2013
$12 a month! 70% lower life insurance rates! Just pennies a day! Between the internet and tv there can’t possibly be a person left that doesn’t know that somehow, somewhere people might qualify for really cheap insurance. But how do you know when you’ve applied and been approved for a life insurance company’s best rate ...read more
Posted in application process, approval, diabetes, ING Reliastar, insurance, life insurance, Sleep apnea | Tagged $12 a month, 70% lower rates, best rate available, best rate class available, companies that offer bonuses, favorite companies, hundreds of thousands fell victim, independent agents, ING Reliastar, insurance, life insurance, mega agencies, pennies a day, really cheap life insurance, sticking clients with 2nd best rate
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 7, 2012
I’ve talked in the past about how some companies will come on like they want to be the industry leader in a niche, only to fall of the radar completely a year or two later. The supposition on my part is that they either hired a new chief underwriter who put a squash on the ...read more
Posted in Anxiety, bipolar disorder, Depression, ING Reliastar, insurance, life insurance | Tagged ADD, Anxiety, bipolar disorder, bit by ING, Depression, ING bonus contracts, ING fallen from grace, ING Reliastar, insurance, life insurance, minor mood disorders, mood disorder unfriendly company, mood disorders, never quote second best rate, preferred plus, situational depression, Sleep apnea, standard, Type 2 diabetes, Zander Insurance
By Ed Hinerman on September 30, 2010
Preferred plus life insurance rates and type 2 diabetes are rarely used in the same sentence except possibly in the context of “Your chances of getting preferred plus rates with type 2 diabetes are slim to none”. That was until last year when ING Reliastar cracked open a window of opportunity. While not a huge ...read more
Posted in diabetes, insurance, life insurance, over 50 life insurance, senior life insurance | Tagged A1c, age of onset, Banner Life, diabetes, ING Reliastar, insurance, life insurance, over 50 life insurance, preferred plus rates, senior life insurance, Type 1 diabetes, Type 2 diabetes
By Ed Hinerman on February 4, 2010
We’ve leaned on Prudential for quite some time for the best underwriting on sleep apnea. Now ING Reliastar has decided they want a piece of that risk pool also. Generally most companies will underwrite mild to moderate obstructive sleep apnea in the standard to slightly rated area. While better rates can be found, those companies ...read more
Posted in insurance, life insurance, Sleep apnea | Tagged heart attack, high blood pressure, ING Reliastar, insurance, life insurance, obesity, preferred plus rates, Prudential, risk factors, Sleep apnea, standard rate, West Coast Life
By Ed Hinerman on January 20, 2010
I just spoke with a prospective client who applied for a term life insurance policy through a friend of a friend….He had been to my site before but had decided to give this agent a try. His only issue is that a parent died from cancer at age 59. With the exception of Prudential that ...read more
Posted in family history, insurance, life insurance | Tagged cancer, family history, Genworth Life and Annuity, heart disease, ING Reliastar, insurance, life insurance, term life insurance
By Ed Hinerman on April 28, 2009
Till I’m blue in the face!!! Does the word guarantee mean anything to anyone? It seems like perfectly sensible people’s eyes fog over as soon as someone flashes totally non guaranteed, unsubstantiated, unproven life insurance projections in front of them. Wake up stupid!! ING Reliastar announced today that they have a new indexed universal life ...read more
Posted in guarantee, ING Reliastar, insurance, life insurance, universal life, variable universal life, whole life | Tagged guarantee, indexed universal life, ING Reliastar, insurance, life insurance, Uncategorized, universal life, variable universal life, whole life
By Ed Hinerman on April 22, 2009
I got a Matrix Direct email today that may shed a little more light on one of the reasons AIG isn’t cutting it. AIG’s American General Life owns the big on line agency Matrix Direct. Not a bad idea for a company that has done so well on line to have their own mega agency! ...read more
Posted in AIG, ING Reliastar, insurance, life insurance, Prudential | Tagged AIG, ING Reliastar, insurance, life insurance, Prudential |
By Ed Hinerman on April 20, 2009
Can you feel it building? It started as a trickle around the first of the year with the announcement that a few companies were considering either discontinuing or raising the rates on the universal life no lapse guarantee products. It didn’t take any huge leap of assumption to see that this was going to impact ...read more
Posted in ING Reliastar, insurance, life insurance, Lincoln National, Prudential, term insurance, universal life, variable universal life, whole life | Tagged ING Reliastar, insurance, life insurance, Lincoln National, Prudential, term insurance, universal life, variable universal life, whole life
