by Ed Hinerman | Mar 8, 2016 | application process, approval, bipolar disorder, business life insurance, doctor's recommendation, insurance, life insurance, life insurance approval, life insurance exam, life insurance underwriting
So here you are. You’ve made up your mind that you need life insurance to protect your family or your business. You’ve found an agent that you are comfortable with, an agent that seems knowledgeable about different types and reasons for life insurance,...
by Ed Hinerman | Feb 9, 2016 | application process, business life insurance, decline, insurance, life insurance, life insurance exam
I have run into a dearth (something just short of infinity) of people over the last 18 years in life insurance who have decided that getting proper coverage for their business or family is just going to be too much work, or the game will be rigged so that no matter...
by Ed Hinerman | Jan 29, 2016 | application process, approval, bipolar disorder, business life insurance, CEO life insurance, decline, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
Ah, the sting of being declined or being rated practically to death when you apply for life insurance. Do they really think you are on death’s door or do they just dislike you personally? Perhaps that life insurance company has a quota that limits the amount of...
by Ed Hinerman | Jan 27, 2016 | beneficiary, business life insurance, death benefit, life insurance, life insurance non taxable
I always get so excited when, let’s say for Labor Day, the hardware store has a tax free weekend. Dang! That’s the equivalent where I live of getting 7% off of that new hose and sprinkler. Seriously now, on any other day you can walk up to the checkout...
by Ed Hinerman | Jan 26, 2016 | ADHD, Anxiety, approval, bipolar disorder, breast cancer, business life insurance, CEO life insurance, compliance, decline, Depression, insurance, life insurance, life insurance approval, physicians life insurance
Now there’s a calming thought. You’re still alive, traumatized from head to toe from a car to moose gathering on the highways of Maine and you’ve made it to the hospital. The doctor and nurse start working and you relax as you know that you are with...
by Ed Hinerman | Jan 20, 2016 | business life insurance, buy/sell life insurance, CEO life insurance, income replacement, insurable interest, insurance, key man insurance, life insurance
There’s nothing quite like that feeling when life reaches a plateau where your job or your business are fun and making money. You’ve got it made or at least got it by the tail and now you can just work hard and put it on cruise control, right? I will be...
by Ed Hinerman | Jan 18, 2016 | application process, business life insurance, buy/sell life insurance, CEO life insurance, customer service, executives, insurance, International Business insurance, key man insurance, life insurance, loyal customers, partnership business life insurance
Who, if they left your company or died without adequate life insurance, would derail your company? Maybe it wouldn’t put you out of business but for at least a while you would experience chaos at a business level. It could be that the reputation of the CEO, with...
by Ed Hinerman | Oct 29, 2015 | approval, bipolar disorder, business life insurance, buy/sell life insurance, CEO life insurance, executives, insurance, key man insurance, life insurance, life insurance approval
The old saying goes, “Lack of planning on your part doesn’t constitute an emergency on my part”. But there are times, especially with business life insurance where all the planning in the world is derailed by the unforeseen and you need an agent who...
by Ed Hinerman | Oct 28, 2015 | ADHD, Anxiety, approval, bipolar disorder, business life insurance, CEO life insurance, Depression, insurance, life insurance, life insurance approval, mortality risk, physicians life insurance
Life insurance companies are so burdened with their responsibility to clients to underwrite them fairly and offer the best price possible, and their responsibility to share holders to maximize profits by bringing in new business (competition) and cutting expenses...
by Ed Hinerman | Sep 23, 2015 | business life insurance, buy/sell life insurance, CEO life insurance, executives, insurable interest, insurance, key man insurance, life insurance, partnership business life insurance
For those of us who own businesses at some point the question pops into our mind, “what happens to the company when I die”? If it doesn’t cross our minds, I assure you it will cross your spouse’s mind and at least the mind of the employees who...
by Ed Hinerman | Aug 31, 2015 | ADHD, Anxiety, approval, bipolar disorder, business life insurance, CEO life insurance, compliance, Depression, insurance, life insurance, life insurance approval
I live at the base of Mount Antero here in Colorado (Prospector show on the Weather Channel) and yesterday afternoon hiked up to Brown’s Lake, a twelve mile round trip hike up and down Brown’s Creek. I only went to about 12,000 feet, fairly short of the...
by Ed Hinerman | Jun 25, 2015 | application process, approval, business life insurance, CEO life insurance, guaranteed level premium, HIV life insurance, HIV Positive, life insurance
There is nothing quite like fighting the good fight and getting your butt handed to you. While we’ve been able to provide life insurance for business purposes to HIV+ CEO’s and executives for years through Lloyds of London, anyone who has followed this...
by Ed Hinerman | Jun 3, 2015 | approval, business life insurance, CEO life insurance, decline, exclusions, executives, HIV life insurance, HIV Positive, insurance, lab results, life insurance
A year and a half after I was run over by the HIV+ life insurance bus I’ve kept on plugging away and now, finally, my wounds have healed and we have finally stepped back on the bus. The rumor has circulated for years that companies were ready to entertain...
by Ed Hinerman | May 20, 2015 | application process, approval, arrythmia, atrial fibrillation, business life insurance, CEO life insurance, decline, doctor's recommendation, heart attack, impaired risk life insurance, insurance, life insurance, life insurance approval, life insurance underwriting
I ran into a client over a year ago who presented me with one of those life insurance scenarios that brings out the gag reflex in even the best of underwriters, one of “those issues” that has been an automatic decline since life insurance was invented, an...
by Ed Hinerman | May 5, 2015 | bipolar, bipolar disorder, business life insurance, CEO life insurance, decline, Depression, impaired risk life insurance, insurance, life insurance, life insurance approval, life insurance underwriting
So we’re all familiar with the manic and depressive swings that are the hall mark of bipolar disorder. Some are subtle and manifest as people that work like crazy and then need down time to recover. The more severe bipolar manifestations are manic on the out of...
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