by Ed Hinerman | Feb 13, 2012 | accidental death, insurance, life insurance, pilot, private pilots, student pilot
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 big hit...
by Ed Hinerman | Feb 6, 2012 | accidental death, business life insurance, buy/sell life insurance, civilian contractors, Civilian War Zone Coverage, disability income, insurance, life insurance, Lloyds of London, professional athletes
I have clients all over the Middle East doing everything from engineering to Afghan translation to security services. I have been working with a company out of Argentina that has oil field crews working revolving shifts in Iraq and it looks like we will have the...
by Ed Hinerman | Jan 24, 2012 | accidental death, AIG, insurance, International Business insurance, life insurance, Lloyds of London, over 50 life insurance, professional athlete life insurance
While my primary focus remains impaired risk life insurance and over 50 life insurance, I’ve left no lack of evidence in this past year’s blog posts that there is so much more available. There is still nothing quite like getting an approval on life...
by Ed Hinerman | Jan 9, 2012 | accidental death, civilian contractors, Civilian War Zone Coverage, disability income, foreign travel, insurance, life insurance, Lloyds of London
I am working with a group of men on their war zone coverage, who have been waiting for three months now to start a series of one month trips to Iraq and Afghanistan to do finish work on some newly constructed airport facilities. As is becoming more common in Iraq...
by Ed Hinerman | Nov 30, 2011 | accidental death, civilian contractors, Civilian War Zone Coverage, insurance, life insurance
Is accidental death insurance worth it? Your average run of the mill accidental death policy, or for that matter an accidental death rider on a life insurance policy is, well, not a very good value. The reason those policies are dirt cheap is that the mortality risk...
by Ed Hinerman | Nov 9, 2011 | accidental death, business life insurance, insurance, life insurance, Lloyds of London
In business we don’t always have the luxury of waiting to buy business life insurance when it’s a better value or more convenient. When the bank says now… When the court judge says now… When a large financial agreement is waiting for life...
by Ed Hinerman | Oct 30, 2011 | accidental death, Active Duty Military Life Insurance, civilian contractors, foreign travel, hazardous activities, insurance, life insurance
This is one of those subjects that I write about all the time and pray about every day. It involves an area of my business that I don’t make much money in, but it is an area that I care about as much as, if not ore the rest. I want everyone to have life...
by Ed Hinerman | Oct 28, 2011 | accidental death, business life insurance, buy/sell life insurance, insurance, International Business insurance, key man insurance, life insurance, Lloyds of London
I remember when a one world economy was the stuff that movies and books were made of. Conspiracy theories were rampant about a global economy kind of being the beginning of the end. So, the reality is that we are there. That is us. There are certainly plenty of home...
by Ed Hinerman | Oct 22, 2011 | accidental death, foreign travel, insurance, life insurance, Lloyds of London, terrorism, travel insurance
Anyone who has served in the international Christian mission field and has tried to get life insurance has probably discovered that almost all life traditional insurance companies will decline missionaries. For instance an individual who is planning on serving as a...
by Ed Hinerman | Oct 12, 2011 | accidental death, Civilian War Zone Coverage, insurance, life insurance
I had a call today from a wife whose husband has a great high paying job as a translator for the military in Afghanistan. He’s a civilian, but works translating for trainers working with Afghan police forces and also goes on patrol with marines as a translator....
by Ed Hinerman | Sep 29, 2011 | accidental death, insurance, life insurance, mortality risk, private pilots
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...
by Ed Hinerman | Sep 20, 2011 | accidental death, AIG, Civilian War Zone Coverage, decline, hazardous activities, insurance, life insurance, private pilots
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...
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 25, 2011 | accidental death, High Limit AD and D, insurance, life insurance, motorcycle, pilot, private pilots, skydiving
Most of my work has been finding the best life insurance prices for people with impaired health, impaired risk life insurance. I won’t make any wild claims about being the best there is out there, but we are in a constant state of education and refining of...
by Ed Hinerman | Jul 21, 2011 | accidental death, bait and switch, insurance, life insurance
I have written a lot in the past year about the availability of a very fairly priced AD&D product from a company that covers everything from simple AD&D to war risk for civilian contractors working in Afghanistan. The company that offers the coverage is...
Recent Comments