by Ed Hinerman | Mar 9, 2019 | buy/sell life insurance, key man insurance, life insurance
original post 12/2014, updated 3/2019 Not having business life insurance on a partner can create a devastating loss for a company. But, I don’t want to trivialize the need for personal life insurance. Not having a plan in place to patch the giant hole left when...
by Ed Hinerman | Feb 16, 2018 | business life insurance, buy/sell life insurance, CEO life insurance, HIV business life insurance, HIV life insurance, insurance, life insurance, life insurance approval
Having just placed a $9 million business life insurance key man policy, I can tell you that the welcome mat is out for those in business or for personal needs who have well controlled HIV. It’s no secret that being HIV+ has changed medically with, in many cases,...
by Ed Hinerman | Dec 4, 2017 | business life insurance, buy/sell life insurance, CEO life insurance, insurance, life insurance, life insurance approval
This is a step above, maybe several steps above your spouse suggesting that it is time for you to get life insurance. You should listen to your spouse because this is usually an awkward subject to bring up which means something important has triggered the request....
by Ed Hinerman | Oct 31, 2017 | business life insurance, buy/sell life insurance, insurance, life insurance
I suppose on superficial level that title deserves an explanation. Toilets replicate death. Not deep enough? When something disappears down a toilet you can’t get it back. In almost all cases that’s a good thing, right? But life is like what’s in...
by Ed Hinerman | Oct 12, 2017 | business life insurance, buy/sell life insurance, CEO life insurance, life insurance
Has Mr Murphy of Murphy’s Law invaded your business plans that involve a need for life insurance. I’m not pessimist enough to believe that “if things can go wrong, they will” but I know what a mess it can make when you are presented with a need...
by Ed Hinerman | May 16, 2017 | application process, business life insurance, buy/sell life insurance, Cannabis business life insurance, CEO life insurance, HIV business life insurance, insurance, life insurance, life insurance approval
We’ve discussed at length (some would say ad nauseum) in this forum about the critical need for business life insurance for the key people in your company. The CEO having key person life insurance is going to be demanded by lenders as your business grows and...
by Ed Hinerman | Apr 24, 2017 | bipolar disorder, business life insurance, buy/sell life insurance, insurance, life insurance, life insurance approval
I’ve talked to and helped enough people over the last 16 years, PTIE, post traumatic insurance experience, to know that when people say they were treated unfairly when applying for life insurance they usually really were. The majority of unfair life insurance...
by Ed Hinerman | Apr 6, 2017 | business life insurance, buy/sell life insurance, Cannabis business life insurance, insurance, life insurance, Marijuana business life insurance
And DC. Up until now all 50 states and DC had legal, profitable tax paying, big employment businesses that, unlike all of their legal, profitable, tax paying, employing counterparts, couldn’t buy business life insurance. Even when the legalization of Cannabis...
by Ed Hinerman | Sep 21, 2016 | business life insurance, buy/sell life insurance, guaranteed issue life insurance, insurance, insurance quotes, life insurance, life insurance exam, over 50 life insurance
A query about life insurance yesterday from a 58 year old with no health history, no family history and no current treatment and a great build led to quotes at a preferred plus level. A return email today asked me to quote a worse rate class doubting that someone his...
by Ed Hinerman | May 4, 2016 | application process, business life insurance, buy/sell life insurance, CEO life insurance, HIV life insurance, HIV Positive, insurance, key man insurance, life insurance
Until very recently we have had to go almost exclusively to Lloyds of London for Key person, CEO loan collateral and buy/sell funding business life insurance when the client was HIV positive. There’s no need to beat redundant to death by going over all of the...
by Ed Hinerman | Mar 17, 2016 | business life insurance, buy/sell life insurance, CEO life insurance, insurable interest, insurance, International Business insurance, key man insurance, life insurance
The nice thing about having your own business is that, at least within the law, no one can tell you how to run it. We can recommend all we want that you flip those burgers just 15 seconds earlier or that you use gluten free beer in your beer battered fish filet, but...
by Ed Hinerman | Feb 22, 2016 | application process, buy/sell life insurance, CEO life insurance, Ex Patriot life insurance, Foreign National Life Insurance, insurance, International Business insurance, life insurance, retirement life insurance
I have a mentor/friend/business partner in life insurance of sorts in Denver who is a few years older than me (we have the 60’s covered) and we have kicked around retiring in Panama for a few years. The idea of Caribbean or Central American retirement certainly...
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...
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