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By Ed Hinerman on May 15, 2012
I’ve talked about life insurance from one end of life to another, from insurance for children to senior life insurance. The one common denominator is that if someone doesn’t take any action to put life insurance in force there is absolutely no way their beneficiaries will benefit from it. I’ve talked about how children’s life ...read more
Posted in children's life insurance, insurance, life insurance, private pilots, senior life insurance | Tagged brush with mortality, children's life insurance, colon cancer, family protection life insurance, guaranteed issue life insurance, insurance, Juvenile life insurance, juvenile life insurance conversion, life insurance, mid air collision, private pilot, saving money by not buying life insurance, senior life insurance |
By Ed Hinerman on March 31, 2012
I had an interesting email question yesterday concerning whether or not there is a time limit on filing a claim for life insurance. There are plenty of stories out there about old stock being found and old life insurance policies turning up. In this case the son who called me isn’t even sure if his ...read more
Posted in death benefit, insurance, life insurance, life insurance claim, pilot, private pilots | Tagged AOPA member, death certificate, insurance, insurance claim statute of limitations, life insurance, life insurance claim, life insurance in force, no policy too old, old insurance claims, old life insurance policies turning up, pay interest from date of death, pay interest on death benefit, private pilot life 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 13, 2012
There are plenty of people who took up flying as a hobby. What a great thing to be able to fly up to Wyoming and visit my mom or just fly around this beautiful country and, even better, the beautiful state of Colorado I live in. But for a lot of us that took a ...read more
Posted in accidental death, insurance, life insurance, pilot, private pilots, student pilot | Tagged accidental death, annual hours, aviation is covered, covered for any cause of death, economy, flying, insurance, life insurance, pilot, price of fuel, private pilot, proficiency, recertify, student pilot |
By Ed Hinerman on December 14, 2011
What a crazy year for underwriting life insurance. There have been shifts all over the map from type 1 diabetes to melanoma history, with some of the best news coming for private pilots. It’s been quite a while since we’ve had as many solid players in the hunt for private pilot life insurance. In fact, ...read more
Posted in insurance, life insurance, melanoma, pilot, private pilots, Type 1 diabetes | Tagged best rate class, CFII, fixed wing, flight instructors, great news, helicopter pilot, IFR, insurance, life insurance, PIC hours, pilots, private pilot life insurance, private pilots, student pilots, the new good old days, using helicopter to commute, VFR |
By Ed Hinerman on November 15, 2011
There was a long time before my website and blog took off where I was, like most other independent life insurance agents out there, stuck trying to get the most bang for my buck out of purchased life insurance leads. Ten years ago I could spend $20-$25 per lead for impaired risk life insurance prospects. ...read more
Posted in business life insurance, Independent agent, insurance, life insurance, over 50 life insurance, pilot, private pilots | Tagged 30-40 agents, calls for days, foreign nationals, generic sites, impaired risk life isurance, independent life insurance agent, insurance, international business life insurance, life insurance, online agent warfare, online life insurance insanity, over 50 breast cancer life insurance, over 50 life insurance, over 50 prostate cancer life insurance, purchased life insurance leads, ticked off customers |
By Ed Hinerman on October 20, 2011
Wouldn’t that be nice? Kind of like the Progressive commercials where every kind of insurance is in a separate box. “Here’s your perfect private pilot life insurance. Will that be all today?” It would be that simple if somehow you could get rid of all of the life insurance agents who claim to know what ...read more
Posted in insurance, life insurance, pilot, private pilots, student pilot | Tagged affordable, aviation exclusion, commercial, experience and proficiency, healthier, IFR, instructors, inusrance, life insurance, pilots, pilots over age 70, preferred plus rates, preferred rates, private pilots, Progressive, regular physicals, student pilots, VFR |
By Ed Hinerman on September 29, 2011
Since we have been able to nail down some very affordable rates for accidental death and dismemberment policies for civilian workers in war zones or really anywhere in the world, things have been hopping. Whether you are going to Kabul for a week or Somalia for a year or more we are now able to ...read more
Posted in accidental death, insurance, life insurance, mortality risk, private pilots | Tagged accidental death, ADD, afforable, best pricing, bush pilots, civilian contractors, civlian workers, helicopter pilots, hunt grizzly bears, insurance, life insurance, Oil platform workers, scuba diving caves, scuba diving wrecks, war zones |
By Ed Hinerman on September 20, 2011
If you’ve entertained looking into high paying work in Iraq and Afghanistan, you’re not alone with the job situation here. The lure of a year or two of work to get back on financially stable ground is tempting. But “job” comes with an asterisk in places where folks are hurting each other and the truth ...read more
Posted in accidental death, AIG, Civilian War Zone Coverage, decline, hazardous activities, insurance, life insurance, private pilots | Tagged accidental death, accidental death and dismemberment, Afghanistan, AIG, civilian workers, foreign travel, high risk, insurance, Iraq, life insurance, Lloyds of London, private pilots, war zones |
