by Ed Hinerman | Feb 25, 2023 | life insurance, life insurance approval, private pilots
I was recently working on quotes for pilot life insurance for a client of mine a few days ago when he called and said a pilot co-worker and friend told him that a AOPA, Aircraft Owners and Pilots Association insurance agent, had given him quotes on their group policy...
by Ed Hinerman | Jan 20, 2015 | business life insurance, buy/sell life insurance, customer service, impaired risk life insurance, Independent agent, insurance, International Business insurance, life insurance, life insurance approval, private pilots
I, we, Hinerman Group, just completed our reunification move to Colorado. Every once in a while I make bad decisions (moving to NM where it rains), but I am more known for my brilliance (coming back to CO where it snows). With that move I am promising more of the same...
by Ed Hinerman | Jun 23, 2014 | CEO life insurance, hazardous activities, Independent agent, insurance, life insurance, life insurance approval, life insurance underwriting, pilot, private pilots, student pilot
With the economy doing a little better private pilots, aviation instructors and commercial pilots are checking their life insurance and getting back off the ground. When a gallon of fuel was worth almost as much as the aircraft especially the private pilots and...
by Ed Hinerman | Jan 29, 2014 | application process, approval, business life insurance, death benefit, estate taxes, executives, high net worth, insurable interest, insurance, life insurance
You can figure I would take off on a subject like this because of some recent interaction with a life insurance underwriter who obviously has a desk somewhere out in left field, but the truth is there is never any shortage of questions that are completely irrelevant...
by Ed Hinerman | Jun 28, 2013 | insurance, life insurance, life insurance approval, pilot, private pilots
With nearly a quarter of my clients being commercial and private pilots I thought I had worked my way through all of the obvious mistakes in pilot life insurance underwriting, but I missed one this week. In the end no harm, no foul as I can move it to another company...
by Ed Hinerman | Jul 31, 2012 | impaired risk life insurance, Independent agent, insurance, life insurance, pilot, private pilots, professional car racing
I’ve been working some particularly tough impaired risk life insurance cases lately and it really drove it home to me that if a person with higher risk life insurance impairment is using an agent who only represents one or two or three companies, they have...
by Ed Hinerman | Jul 4, 2012 | impaired risk life insurance, insurance, life insurance, life insurance approval, private pilots
Although the combination of affordable life insurance and private pilots has never been the norm across the scope of all life insurance companies, there hasn’t been a time in the last decade, almost two, where the match couldn’t be made with the right...
by Ed Hinerman | Mar 31, 2012 | death benefit, insurance, life insurance, life insurance claim, pilot, private pilots
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...
by Ed Hinerman | Dec 14, 2011 | insurance, life insurance, melanoma, pilot, private pilots, Type 1 diabetes
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...
by Ed Hinerman | Sep 15, 2011 | accidental death, estate taxes, High Limit AD and D, insurance, life insurance, private pilots
I have a client that is 76, the kind of guy that I envy at 18 years his junior. He skis the Rockies every year and is still an instrument rated private pilot, and an active business owner. The last two business life insurance policies we got him at ages 70 and 71, we...
by Ed Hinerman | Aug 29, 2011 | life insurance, pilot, private pilots, student pilot
I know I’ve talked quite a bit lately about those aviation life insurance needs that are hard or expensive to insure through traditional life insurance companies. I just wanted to take a few minutes to clarify that for the majority of private pilots life...
by Ed Hinerman | Jun 2, 2011 | cholesterol, insurance, life insurance, pilot, private pilots
I get industry updates almost daily when companies believe they have a niche that is going to the the magic bullet for a client. Sometimes I wonder if anyone really thinks it through before they yell, “Hey, look at us!” I’m a big fan of United of...
by Ed Hinerman | Apr 27, 2011 | insurance quotes, life insurance, pilot, private pilots
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,...
by Ed Hinerman | Feb 28, 2011 | insurance, life insurance, pilot, private pilots
That used to be a quick and easy answer. The best life insurance rates were available only to the most experienced and trained pilots. For an airline pilot life insurance was no trick at all. For them they might as well have been a perfectly healthy car salesperson....
by Ed Hinerman | Jan 27, 2011 | insurance, life insurance, pilot, private pilots
It hasn’t been that long since admitting that you were a student pilot or a flight instructor on a life insurance application was, well, might as well have been an admission that you were a bush pilot or crop duster. Most companies weren’t and actually...
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