by Ed Hinerman | Apr 26, 2014 | life insurance
For those of you who have read this far, please stick with me because as we’ve all been told, honesty, hard work and perseverance pay off. Well, actually in this case it doesn’t, but stick with this. It is corporate life insurance America at its’...
by Ed Hinerman | Apr 26, 2014 | decline, HIV life insurance, HIV Positive, impaired risk life insurance, insurance, life insurance, life insurance approval
I ended my last post with a review of the criteria I was given and the following concerning the application I had submitted to a major life insurance company. 1. HIV+ diagnosis was made 3 or more years prior to application. 2. Client has received Anti-retroviral...
by Ed Hinerman | Apr 26, 2014 | decline, insurance, life insurance, life insurance approval, life insurance underwriting
I have felt like my train jumped the tracks, or was intentionally derailed over these past few weeks. I was the victim of lies perpetrated by a large life insurance company and because of that, forgive me, I gave a lot of people hope that they might soon be able to...
by Ed Hinerman | Apr 18, 2014 | business life insurance, buy/sell life insurance, CEO life insurance, executives, impaired risk life insurance, Independent agent, insurance, International Business insurance, key man insurance, life insurance, over 50 life insurance
I found out yesterday that business life insurance isn’t always for what I would call work related purposes. I got a call from the founder, CEO and chief laborer of a company that films shark fishing. Interesting case because literally what the key man life...
by Ed Hinerman | Apr 10, 2014 | business life insurance, CEO life insurance, foreign travel, impaired risk life insurance, insurance, life insurance, life insurance approval
Ok, so I’m kind of on a rip about business life insurance and business executives lately, but what I’m finding is that there seem to be a lot of CEO’s and other executives that are paying way too much for their business life insurance or have been...
by Ed Hinerman | Apr 9, 2014 | cancer, Dave Ramsey, decline, insurance, life insurance, melanoma
Gosh, you know it’s been a while since I’ve heard any real specific griping about why in the world Dave Ramsey would promote Zander Insurance with “Four generations and 80 years experience, unparalleled commitment to service, the best products on the...
by Ed Hinerman | Apr 4, 2014 | business life insurance, CEO life insurance, estate taxes, executives, guarantee, impaired risk life insurance, insurance, life insurance
When the dot.com industry hit the world we suddenly had CEO’s and Presidents of companies who were young, healthy and like the rest of us at that age, immortal. With immortality comes a seemingly valid reason for a CEO to not buy life insurance, or even...
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