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life insurance quotes

How Can You Know If Your Life Insurance Agent Is Quoting Accurately?

By Ed Hinerman on May 8, 2012

As much as I run across this, it’s sad to know that there are probably as many inaccurate life insurance quotes given each day as there are accurate life insurance quotes. The reason is that most life insurance agents don’t know how the underwriting works with whatever company or companies they are quoting. So what’s ...read more

Posted in Independent agent, insurance, insurance quotes, life insurance, liver functions | Tagged accurate life insurance quotes, agent does due diligence, agent quotes inaccurately, approved policy has different rate, complicated case, health issues, inaccurate life insurance quotes, insist that agent shop the case, insurance, lab results, life insurance, life insurance quotes, medical informtion, quoted in person, quoted over the phone, waste of time

Garbage In, Garbage Out In Life Insurance Quotes!

By Ed Hinerman on February 22, 2012

I’m all for rounding off. I mean if I owed someone $9 and I had a ten in my wallet and they didn’t have change I would call it good. I know. I know. One of the reasons I’m not filthy rich or any other kind of rich. There is something of a rounding off ...read more

Posted in heart attack, high blood pressure, insurance, insurance quotes, life insurance, obesity | Tagged accurate quotes, actual weight, entire health history, fudging, health history, heart or circulatory system disorder, insurance, last 5 years, life insurance, life insurance quotes, manipulate the quote process. Have you ever questions, obesity, Postural orthostatic tachycardia syndrome, POTS, rounding off, shops relevant information, well controlled

Best Smoking Rates On Life Insurance!

By Ed Hinerman on July 26, 2011

As independent life insurance agents there is a kind of longing for the good old days when US Financial offered non smoking rates to social smokers and when CNA would issue a policy to a smoker at non smoking rates, with the caveat that they had to quit smoking within four years. Those two deals ...read more

Posted in insurance, life insurance, smoking | Tagged best rates available, best smoking rates, insurance, life insurance, life insurance quotes, smoker, smoker life insurance, smoking, tobacco use

A Fool And His Life Insurance Quote Are Soon Parted!

By Ed Hinerman on July 26, 2011

I am left shaking my head occasionally when I hear a client say that my quote is much higher than some other quote they have received. Since I shop virtually every case I quote I am confident when I send out quotes, well, they are as good as it is going to be after underwriting. ...read more

Posted in bait and switch, cancer, heart disease, Independent agent, insurance, life insurance | Tagged bait and switch, cardiac workup, impaired risk agent, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance quotes, pathology report, required medical questions

What Exactly Is A Free Life Insurance Quote?

By Ed Hinerman on November 17, 2010

It kind of cracks me up sometimes. I can almost hear the hot dog (life insurance) vendor at the ball game. “Get your free life insurance quotes here! Get em while they’re hot!” This is certainly not to say that anyone should ever have to pay to get a life insurance quote. The quote doesn’t ...read more

Posted in insurance, life insurance | Tagged accurate quotes, avocation, free life insurance quotes, health questions, impairments, insurability, insurance, life insurance, life insurance quotes, lifestyle questions, underwriter

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

Free Life Insurance Quote

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We Really DO Come Through for our Clients.

“Thank you for your superior client service.  You really made the extra 
effort to find us the best quote despite my difficult circumstances.  I 
would be happy to provide a reference or referral regarding your 
professionalism and customer focus.”
Don K in Arlington Heights, Illinois


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