by Ed Hinerman | Jun 18, 2014 | business life insurance, buy/sell life insurance, CEO life insurance, civilian contractors, Civilian War Zone Coverage, dangerous occupation life insurance, executives, insurance, International Business insurance, key man insurance, life insurance, life insurance approval
According to recent U.S. State Department statistics, over 6.3 million American civilians currently live in more than 160 countries around the world. Due to modern globalization and the optimistic ideals of free trade and enterprise, the United States has one of the...
by Ed Hinerman | Jun 12, 2014 | business life insurance, buy/sell life insurance, CEO life insurance, customer service, executives, impaired risk life insurance, Independent agent, insurance, life insurance
Most of us who have sold or applied for life insurance understand the whole rate class thing. We all want to get preferred plus, the best rate class, but we aren’t all qualified to be approved that way. So the goal becomes a mission to get life insurance...
by Ed Hinerman | Jun 11, 2014 | application process, business life insurance, buy/sell life insurance, CEO life insurance, customer service, executives, Foreign National Life Insurance, foreign travel, insurance, life insurance, life insurance approval
I understand that there are quite a few very fine life insurance companies that are domiciled in Canada, but having said that there are some compelling reasons for considering US life insurance companies for personal, and especially for business coverage. Among those...
by Ed Hinerman | Jun 10, 2014 | business life insurance, buy/sell life insurance, CEO life insurance, customer service, executives, impaired risk life insurance, insurance, key man insurance, life insurance, life insurance approval
The obvious answer is of course I would buy the battleship if he had one just because I would be the only person in Silver City, NM to own a battle ship. There’s even a big enough lake a few hours from here to float it in although I’m not sure you could...
by Ed Hinerman | May 31, 2014 | approval, business life insurance, buy/sell life insurance, CEO life insurance, executives, guaranteed level premium, impaired risk life insurance, insurance, International Business insurance, key man insurance, life insurance, life insurance approval, over 50 life insurance
For me there was really nothing to come to grips with. I’ve seen the new 60 become 65 and the new 65 become 70 and I’ve seen the government tweak social security so that the longer you don’t take it the more money you are paid (per month), or put...
by Ed Hinerman | May 13, 2014 | business life insurance, CEO life insurance, customer service, executives, high net worth, insurance quotes, key man insurance, life insurance
No, that’s not a typo. When it comes to business life insurance and insurance for people with high net worth, spending up to hundreds of thousands a year on life insurance is really not that uncommon. And anytime you are buying life insurance what you spend is...
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 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...
by Ed Hinerman | Mar 13, 2014 | application process, approval, business life insurance, cash value, CEO life insurance, disability income, DUI, executives, High Limit AD and D, key man insurance, life insurance, life insurance approval, over 50 life insurance
The CEO or President of a company, other than having more responsibility than most, is just like everyone else in this great country of ours. When it comes to life insurance they are subject to the same unscrupulous or poorly equipped life insurance agents 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 | Dec 19, 2013 | business life insurance, insurable interest, insurance, key man insurance, life insurance
Having served on a town council in the past, my opinion is the more the municipality is treated as a business the better it works for everyone involved. From where I sit today I can see instance after instance where the lack of planning for a small expenditure, key...
by Ed Hinerman | Dec 12, 2013 | approval, business life insurance, buy/sell life insurance, civilian contractors, Civilian War Zone Coverage, decline, insurance, International Business insurance, life insurance, life insurance approval
It’s been amazing when I put the word out that I could business life insurance in tough situations quickly to see how many professionals I’ve been able to help when they are truly in a jam. The scenario usually goes something like one of these, 1. A...
by Ed Hinerman | Oct 15, 2013 | approval, business life insurance, CEO life insurance, executives, guaranteed issue life insurance, HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval
Some nut case has been all over the internet search engines claiming a phenomenal life insurance underwriting breakthrough that will allow a large number of HIV positive people to get traditional life insurance up to $1 million. Since HIV became an issue in the...
by Ed Hinerman | Sep 30, 2013 | application process, approval, business life insurance, CEO life insurance, insurance, life insurance, over 50 life insurance, stroke, uninsurable
We are a product of our parents and grandparents and I know my Dad was one of those guys who’s goal was to always get it right the first time. Having grown up in that shadow I know that one of my pet peeves is having to do something twice. I like to get it right...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
Recent Comments