Business Life Insurance With HIV

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,...

CEO Life Insurance Declines! Why Do They Happen?

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...

Can 50’s and 60’s Get The Best Rates?

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...

Executive Life Insurance Planning With HIV!

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...

I Know It’s None Of My Business, But!!

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...

The Other Retirement! Ex Patriot 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...

Who Is The Key To The Success Of Your Business?

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...

You Need Your Life Insurance When?

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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