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By Ed Hinerman on May 16, 2012
I am about to go off on Selectquote again but let me show you the new kinder, gentler side of my opinionated self. Selectquote handles, from what I’ve heard, about 100,000 applications a year. They’ve been the king of the hill for quite a while so that tells me they probably aren’t messing up every ...read more
Posted in Dave Ramsey, Depression, insurance, life insurance, Sleep apnea | Tagged acceptable to Selectquote, apply two places and take best approval, assumption Selectquote doing the best thing, Dave Ramsey, Dave Ramsey is that the best you do, declined, Depression, getting a second opinion, insurance, life insurance, life insurance declined, mild depression, right thing for the customer, Selectquote, Sleep apnea, sleep apnea life insurance, Zander Insurance
By Ed Hinerman on March 13, 2012
Declined life insurance applications. It’s where most of my customers come from. I do have a pretty fair block of business with private pilots and a growing business with Lloyds of London in high risk and high limit insurance policies such as coverage for contract workers in war zones and people that climb mountains. But ...read more
Posted in decline, diabetes, impaired risk life insurance, insurance, insurance quotes, life insurance, no exam, private pilots | Tagged agent doesn't ask questions about impairment, archaic underwriting, bipolar disorder, captive agents, declined life insurance application, diabetes, former car salesmen, heart attack, high limit insurance, high risk insurance, impaired risk life insurance, independent agents, insurance, life insurance, no exam nonsense, no health questions nonsense, pre approved to be declined, quote from an underwriter, relevant to mortality, Selectquote, wrong life insurance agent, wrong life insurance company, Zander |
By Ed Hinerman on February 20, 2012
I have decided to completely reverse my feeling about online mega agencies such as Selectquote and Accuquote. I have repeatedly inferred that they are the scum of the life insurance industry, that volume of business is more important than customer service, and that their appetite for signing contracts for the largest compensation deals is decidedly ...read more
Posted in bipolar, bipolar disorder, Independent agent, insurance, life insurance | Tagged bipolar disorder, bipolar II, commonly approved, fix bad experience, giant online life insurance agencies, insurance, just buy accidental death, just more work, life insurance, mega agencies, not cost effective, not uninsurable, scum of life insurance industry, Selectquote, Selectquote advertising overhead, time is money, uninsurable, volume more important than customer service, wide swath of dssatisfaction |
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 2, 2012
I am starting this new year very optimistically. Thanks to the hard work and savvy of my SEO guy we are reaching more and more of you who have been abused, declined or just left behind by agents or agencies that aren’t into doing the work it takes to properly serve life insurance buyers over ...read more
Posted in Independent agent, insurance, life insurance, over 50 life insurance | Tagged abused, Business Proverbs, cutting corners, Dave Ramsey, declined, directly cheated a customer, impaired risk life insurance, insurance, Intelliquote, left behind, less than a job well done, life insurance, life insurance over 50, Matrix Direct biased on quotes, Micah 6:11, on line mega agencies, precludes best product and price, Reliaquote, sacrificing quality customer service, Selectquote, West Coast Life, Zander Insurance
By Ed Hinerman on December 8, 2011
I realize it may have only been yesterday since I went off on one of the mega agencies, but really, what part of customer service do they not get? Today I had a client who had applied for a term life insurance policy through Selectquote. He is a perfectly healthy specimen and the Selectquote agent ...read more
Posted in cholesterol, insurance, life insurance, term insurance | Tagged cholesterol ratio 4.7, eats into profits, incorrectly charged annual premium, insurance, lacking lacking in integrity, life insurance, mega agencies, new application could do better, profit before honesty, qualified for a better rate, quoted best rate available, Selectquote, temporary insurance agreement, term life insurance |
By Ed Hinerman on December 6, 2011
Where has our American “get er done” philosophy gone? It seems like I run into cases everyday where a person’s life insurance agent gives up if they application is not approved at the rate they thought their customer would get, or even declined. I was working with a client who had come to me from ...read more
Posted in cholesterol, Independent agent, insurance, insurance quotes, life insurance | Tagged any result is acceptable, approved preferred plus, cholesterol, declined, field underwriting, Independent agent, insurance, life insurance, life insurance agent, life insurance application, life insurance exam, mega agency, multiple applications, not approved, Selectquote, wrong company, wrong results, wroong agent
By Ed Hinerman on November 14, 2011
Once in a while I’m asked what sets me apart from other agents or especially from the giant online agencies. Why would a person choose to do business with me? My daughter interviewed for a job yesterday and was asked why they should pick her out of the four people who had applied. She answered ...read more
Posted in insurance, life insurance | Tagged application same day, communication with underwriters, customer service, disdain for customer service, high volume life insurance shops, insurance, life insurance, not a sale closer, Selectquote, Zander Insurance |
By Ed Hinerman on April 27, 2011
I’ve never been a fan of Selectquote. Having worked (a long time ago) in a similar on line agency I know for a fact that with quantity (they claim to do 100,000 applications a year) quality suffers serious damage. The agents, if you can really call them that, have no where near the knowledge of ...read more
Posted in insurance quotes, life insurance, pilot, private pilots | Tagged airline pilot, customer service, insurance, life insurance, private aviation, private pilot, private pilot life insurance, Selectquote
By Ed Hinerman on April 18, 2011
I suppose if you are a car dealer, car advertisements get under your skin if they don’t tell the truth. I’ve been enormously disappointed over the years in the way mega agency Selectquote advertises term insurance. They are deceptive at best. After an advertisement I saw last night I would like to add Allstate to ...read more
Posted in bipolar, bipolar disorder, insurance, life insurance | Tagged Allstate, bipolar disorder life insurance, deceptive, insurance, life insurance, lowest prices, overpriced auto and homeowners insurance, Selectquote |
