by Ed Hinerman | Oct 29, 2014 | business life insurance, buy/sell life insurance, cash value, CEO life insurance, death benefit, insurable interest, key man insurance, life insurance, term insurance
There are definitely two schools of thinking on the subject of how to handle executive life insurance, especially key person policies. Just to put this in perspective, I’m kind of an old guy and I would call the idea of using cash value policies to fund key...
by Ed Hinerman | Oct 28, 2014 | budget, cash value, guaranteed level premium, impaired risk life insurance, insurance, life insurance, life insurance underwriting, term insurance
Ah, the good old days. Milk was 50 cents a gallon. Gas was 25 cents a gallon. A new car was under $2000. And life insurance, well, life insurance was so expensive that people had to pay for it by the week. The good old days of life insurance are where we are. In spite...
by Ed Hinerman | Oct 27, 2014 | angioplasty, approval, bypass surgery, CEO life insurance, coronary artery disease (CAD), decline, ejection fraction, heart attack, insurance, life insurance, life insurance approval, LVEF
I guess on some level I get that if you have coronary artery disease, you will always have it and I get that people with early onset CAD, actuarialy life insurance speaking are a worse life insurance risk than someone who is diagnosed, say, in their 50’s. But...
by Ed Hinerman | Oct 27, 2014 | business life insurance, buy/sell life insurance, CEO life insurance, executives, impaired risk life insurance, insurable interest, insurance, International Business insurance, key man insurance, life insurance
I get that business people get tired of hearing about all of the kinds of insurance they should be carrying because I am one. I carry more than what’s required by law in errors and omissions insurance just because of the litigious nature of our country. I err on...
by Ed Hinerman | Oct 20, 2014 | disability, heart disease, insurance, insurance quotes, life insurance, ratings
I’m working on a case right now, a tricky case because it involves life insurance for someone age 69, who was diagnosed with heart disease and diabetes 10 years ago. He had a one vessel angioplasty with a stent and was on medication for both issues, until he...
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