by Ed Hinerman | Dec 12, 2011 | business life insurance, Infinite banking, International Business insurance, term insurance
I know that when I am shopping for something, for instance a car, I am very straight forward, even blunt, about what I want and how much I am willing to spend. I let the sales person know that it’s OK if they can’t meet my needs, but that changing anything...
by Ed Hinerman | Dec 7, 2011 | business life insurance, buy/sell life insurance, cancer, Foreign National Life Insurance, foreign nationals, Infinite banking, insurance, life insurance, whole life
Big giant disclaimer. We have found several highly rated US life insurance companies that will write foreign nationals living in the US and foreign nationals living outside the US. I have kept this fairly low key until I worked through a few cases, one in Jamaica, one...
by Ed Hinerman | Nov 15, 2011 | business life insurance, Independent agent, insurance, life insurance, over 50 life insurance, pilot, private pilots
There was a long time before my website and blog took off where I was, like most other independent life insurance agents out there, stuck trying to get the most bang for my buck out of purchased life insurance leads. Ten years ago I could spend $20-$25 per lead for...
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 | Nov 9, 2011 | business life insurance, hazardous activities, income replacement, Infinite banking, insurance, life insurance
Remember the “dress for success” thing that started back in the 70’s? I think it was probably a reaction to the way most people my age decided to dress in the 60’s. It never really worked for me. Every time I dressed for success, even if I got...
by Ed Hinerman | Nov 7, 2011 | business life insurance, buy/sell life insurance, foreign nationals, insurance, key man insurance, life insurance
Without proper business life insurance in force the family of a deceased partner in a business could stand to lose the portion of the business that their loved worked long and hard to create, and to leave as a legacy. A succession plan for a business, whether a...
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 25, 2011 | business life insurance, buy/sell life insurance, executives, Foreign National Life Insurance, foreign nationals, foreign travel, insurance, key man insurance, life insurance
Impaired risk life insurance has always been the cornerstone of our business. That decision to take the life insurance agent path less traveled has proven to be a blessing for our clients and for me. The majority of agents are after the majority of clients. Clients...
by Ed Hinerman | Oct 17, 2011 | business life insurance, buy/sell life insurance, insurance, key man insurance, life insurance
Probably very close to 100% of the time a person can go about obtaining life insurance with the traditional application, exam and underwriting period. But there are exceptions. The truth is I don’t recommend that anyone that needs life insurance and...
by Ed Hinerman | Oct 10, 2011 | business life insurance, insurance, key man insurance, life insurance, over 50 life insurance, prostate cancer
I have, over the years, made it quite clear that there are distinct advantages to buying life insurance when you are young and healthy. It’s not that over 50 life insurance suddenly becomes horribly difficult to obtain. for most of us it is just more expensive...
by Ed Hinerman | Aug 1, 2011 | business life insurance, insurance, life insurance, over 50 life insurance
For a lot of people reaching the big FIVE O, is a moment to ponder. “Ok. I’m halfway to 100. Most people I know who are a hundred are dead.” Maybe being over 50 life insurance should start flashing on the radar. Little blips saying “you...
by Ed Hinerman | Jan 24, 2011 | business life insurance, buy/sell life insurance, insurance, life insurance
Small business is the backbone of our country’s economy and for most of us, even more importantly, it is the backbone of our personal budget. Without those paychecks in today’s job market we would indeed be up a creek. So, have you asked your boss, the...
by Ed Hinerman | Dec 10, 2010 | business life insurance, insurance, key man insurance, life insurance
All the way from small partnerships to large corporations there is almost always one or two people that really drive the success of the company. Whether it is the CEO and the way they run the company, the head of sales without whom success as measured by sales...
by Ed Hinerman | Dec 3, 2010 | business life insurance, buy/sell life insurance, insurance, life insurance
Whether you are the CEO of a large company, handpicked for that position by a board of directors, or the CEO of a company where the job description simply reads “Do everything and do it well”, there is value and responsibility that come with the position....
by Ed Hinerman | Apr 12, 2010 | business life insurance, buy/sell life insurance
I got a call from a long time client this morning letting me know that his business partner of almost 50 years, also a client of mine, had passed away over the weekend. It wasn’t unexpected. He would have been 85 next month and his health had been going downhill...
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