by Ed Hinerman | Feb 20, 2013 | business life insurance, Independent agent, insurance, life insurance, life insurance approval, physicians life insurance
I had an interesting scenario pop up while I was on vacation. Pam hates it when I get side tracked by life insurance when I am supposed to be recharging my batteries, but the truth is my job is fun and batteries can be recharged in more than one way. So I devoted a...
by Ed Hinerman | Dec 13, 2012 | business life insurance, buy/sell life insurance, CEO life insurance, death benefit, executives, insurance, life insurance
Any of us who have financial responsibilities should have life insurance to cover the need. I carry life insurance that would pay off rental property and our home if I died, leaving my wife with an income stream and no debt. I carry some more that would replace the...
by Ed Hinerman | Nov 2, 2012 | accidental death, business life insurance, buy/sell life insurance, civilian contractors, Civilian War Zone Coverage, foreign nationals, High Limit AD and D, insurance, International Business insurance, life insurance
I’ve brought this up in the past in response to a very real need with missionaries. Traditional life insurance isn’t horribly friendly to folks doing mission work outside of the country, a knee jerk reaction to the fact that there are some places in the...
by Ed Hinerman | Oct 16, 2012 | Alcohol Treatment Life Insurance, approval, business life insurance, court ordered life insurance, Drug Treatment Life Insurance, executives, insurable interest, insurance, International Business insurance, life insurance, Lloyds of London
The life insurance process is by law and by practice a confidential transaction. Life insurance agents shouldn’t be telling anyone about who they are working for and life insurance examiners shouldn’t be telling anyone about who they have examined and home...
by Ed Hinerman | Sep 15, 2012 | business life insurance, buy/sell life insurance, high net worth, insurance, key man insurance, life insurance
It’s a given that most companies would carry key man life insurance or buy/sell life insurance on the CEO. Any company that thinks they are too small or too large for CEO life insurance coverage really hasn’t thought through what would happen if that...
by Ed Hinerman | Jun 12, 2012 | business life insurance, buy/sell life insurance, insurance, key man insurance, life insurance
The two things you can count on, death and taxes, right? Well, done correctly at least the two don’t need to be mixed. The Gold Nugget in life insurance death benefits has always been the fact that the proceeds are not income taxable. If you take out $500,000...
by Ed Hinerman | May 1, 2012 | business life insurance, court ordered life insurance, DUI, insurance, International Business insurance, life insurance
If life and life insurance was all simple there wouldn’t be any bumps in the road. We would all have the coverage we need when we need it and Dorothy would be singing Somewhere Over The Rainbow in the background. Truth is that most of the time with life...
by Ed Hinerman | Apr 26, 2012 | business life insurance, buy/sell life insurance, insurance, life insurance, term insurance
My mother never told me running a small business was easy. In fact it went something more like, “wouldn’t you be better off getting a real job?” I wrote that in 2007, one of the first posts to this forum. I have been self employed since 1978, most of...
by Ed Hinerman | Apr 7, 2012 | business life insurance, buy/sell life insurance, customer service, executives, insurance, International Business insurance, life insurance
Being a small business person myself I know that there are plenty of opportunities to bust your budget if you take everyone’s advice, get all the best bells and whistles and make your business 99.99% bombproof. It’s funny to see success draw the vultures...
by Ed Hinerman | Feb 25, 2012 | business life insurance, insurance, life insurance, term insurance, travel insurance
With the introduction several years ago of 30 year term insurance and no lapse guarantee universal life, which is essentially a term for life, some agents have lost sight of the fact that there are legitimate short term needs for life insurance. It wasn’t that...
by Ed Hinerman | Feb 16, 2012 | bipolar disorder, business life insurance, buy/sell life insurance, civilian contractors, disability income, insurance, prostate cancer
If you make $300,000 or less then this post is probably not for you, unless you can envision a time when your income is higher. Traditional disability income insurance will pay, at most, 65% of your income as a benefit, theoretically what you would net post taxes....
by Ed Hinerman | Feb 16, 2012 | Anxiety, bipolar, bipolar disorder, business life insurance, decline, Depression, insurance, life insurance, physicians life insurance
If it isn’t crystal clear by now, it should be. People applying for life insurance with a current or past history of well controlled depression, anxiety, ADD, ADHD, bipolar disorder and other mood disorders are being abusively rated or declined by most life...
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 19, 2012 | business life insurance, buy/sell life insurance, Infinite banking, insurance, life insurance, whole life
As a business person I have become accustomed to wanting to deduct everything I can. If there was a way to deduct the air that is used in my office every day I would be installing an air gauge. Business life insurance benefits are income tax free which is like the 8th...
by Ed Hinerman | Jan 4, 2012 | business life insurance, buy/sell life insurance, death benefit, insurance, lapse, life insurance, reinstatement, senior life insurance
Did you know that you have the right to name a second person to receive bills and notices for your life insurance policy? I have no idea what the number really is, but I am betting the number of death benefits that aren’t paid every year due to a policy lapsing...
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