by Ed Hinerman | Apr 22, 2017 | business life insurance, Cannabis business life insurance, CEO life insurance, insurance, life insurance, life insurance approval, Marijuana business life insurance
Every new or growing business in need of capital to move things along has to choose a source, a bank, an investor or a partner and in all three of those scenarios any substantial investment in your new enterprise is going to require business life insurance as...
by Ed Hinerman | Apr 6, 2017 | business life insurance, Cannabis business life insurance, CEO life insurance, Civilian War Zone Coverage, executives, insurance, life insurance, life insurance approval, Marijuana business life insurance
For all of those investors and entrepreneurs who saw the legalization of medical and recreational marijuana coming and took advantage of it, good job. All of us in business, if we weren’t, wish we could have been on the first elevator up to an opportunity that...
by Ed Hinerman | Apr 6, 2017 | CEO life insurance, life insurance, Marijuana business life insurance
Is marijuana business life insurance available? The Challenges! As with all things, when laws change the insurance industry is often slow to jump on board and recognize that legality. With business life insurance policies like key man and buy/sell life insurance this...
by Ed Hinerman | Mar 20, 2017 | business life insurance, CEO life insurance, insurance, insurance quotes, life insurance, life insurance approval
How’s this for shock value? Life insurance agents get into the business to make money and there are times when how much money they are going to make may, just may, skew their recommendation on what product you should buy. No really! That can happen one of two...
by Ed Hinerman | Feb 14, 2017 | approval, CEO life insurance, impaired risk life insurance, insurance, life insurance
A life insurance policy can be a static document if 1. You buy it at an age where you’re sure the term length will outlast your needs, 2. You get the very best rate class and 3. There are no surprises in life after you take out the policy. If, for some reason,...
by Ed Hinerman | Jan 2, 2017 | business life insurance, CEO life insurance, insurance, life insurance
About five years ago I was working with the CEO of a mid size company on a succession plan for his business using life insurance. I remember this case well because of two things. First, it was unique in that the owner and CEO wanted to use this life insurance to allow...
by Ed Hinerman | Dec 6, 2016 | business life insurance, CEO life insurance, indexed universal life, insurance, life insurance
I spoke with the CEO and owner of a company yesterday who was uncomfortable with the idea being pitched by Nationwide insurance of using Indexed Universal Life Insurance as a way to insure him as a key man and amass a fortune in cash value as an executive bonus for...
by Ed Hinerman | Oct 11, 2016 | business life insurance, CEO life insurance, executives, insurance, last minute life insurance, life insurance
With personal life insurance there is very seldom a reason to panic if there is a delay or an unexpected decline that needs to be worked on to overcome. I know it happens anyway (the panic), especially when there has been a decline, but given a little time and the...
by Ed Hinerman | Sep 1, 2016 | business life insurance, CEO life insurance, executives, insurance, international medical insurance, key man insurance, life insurance
Life insurance protection should be considered any time that the the death of the principle of a business, whether the CEO, President, CFO, major shareholder or partner would have a major impact or cause some kind of financial chaos upon their death. We’ve...
by Ed Hinerman | Aug 3, 2016 | application process, CEO life insurance, Ex Patriot life insurance, executives, Foreign National Life Insurance, foreign nationals, high net worth, insurance, International Business insurance, life insurance
I’m considering Lasik surgery and as with all things medical in the US I was kind of ticked off when I saw the prices and then, how unpatriotic of me, compared them to a vacation to Costa Rica that happened to include the same medical procedure at a state of the...
by Ed Hinerman | Aug 2, 2016 | ADHD, Anxiety, bipolar disorder, CEO life insurance, Depression, executives, insurance, life insurance, life insurance approval
Well before I was known for being someone with bipolar disorder, a reasonably stable, high functioning someone with bipolar disorder, I was the go to guy in the US, most of Canada, Mexico, Central America and the Caribbean for those in need of life insurance who...
by Ed Hinerman | Jul 15, 2016 | ADHD, Attention Deficit Disorder, bipolar, bipolar disorder, business life insurance, CEO life insurance, executives, insurance, life insurance, life insurance approval
I had a situation come up about a month ago, just a few days after being diagnosed bipolar II. It was amazing how quickly that diagnosis snapped a good bit of my teen and adult years into focus and I think in a lot of ways pointed a light at my business success and my...
by Ed Hinerman | Jul 11, 2016 | application process, business life insurance, CEO life insurance, cognitive understanding, contestability period, contractual understanding, insurable interest, insurance, life insurance
Over the years I’ve run into plenty of families who only wished their mom or dad still understood and qualified for life insurance. It would likely be a blessing to the family to have it in force, but there’s a point where the family has to admit they’ve missed that...
by Ed Hinerman | Jun 17, 2016 | bipolar, bipolar disorder, business life insurance, CEO life insurance, Depression, HIV life insurance, insurance, life insurance
I thought I was going to be famous when I figured out how to play a game of Monopoly, not even life insurance Monopoly, with four people in under a half hour, beginning to end. I think we could add Life insurance and make the game shorter. Just put one square out...
by Ed Hinerman | Jun 9, 2016 | abnormal ekg, abnormal labs, atrial fibrillation, business life insurance, CEO life insurance, doctor's recommendation, insurance, life insurance, life insurance approval
We’ve discussed BNP and proBNP in this forum before and the life insurance underwriting, or lack of, that goes with a high reading. Much like some companies used to do with the liver function test GGT, the underwriter would immediately assume they client drinks...
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