by Ed Hinerman | Jun 18, 2014 | business life insurance, buy/sell life insurance, CEO life insurance, civilian contractors, Civilian War Zone Coverage, dangerous occupation life insurance, executives, insurance, International Business insurance, key man insurance, life insurance, life insurance approval
According to recent U.S. State Department statistics, over 6.3 million American civilians currently live in more than 160 countries around the world. Due to modern globalization and the optimistic ideals of free trade and enterprise, the United States has one of the...
by Ed Hinerman | Dec 12, 2013 | approval, business life insurance, buy/sell life insurance, civilian contractors, Civilian War Zone Coverage, decline, insurance, International Business insurance, life insurance, life insurance approval
It’s been amazing when I put the word out that I could business life insurance in tough situations quickly to see how many professionals I’ve been able to help when they are truly in a jam. The scenario usually goes something like one of these, 1. A...
by Ed Hinerman | Dec 26, 2012 | accidental death, civilian contractors, Civilian War Zone Coverage, contestability period, dangerous occupation life insurance, death benefit, group life insurance, insurance, life insurance, Lloyds of London
I took a call this morning that popped up a question for civilian contractors and workers in war zones that I had honestly not considered. The call was from a widow whose husband worked for a US company in Afghanistan and died while working there about six months ago...
by Ed Hinerman | Dec 7, 2012 | accelerated death benefit, civilian contractors, Civilian War Zone Coverage, dangerous occupation life insurance, High Limit AD and D, insurance, life insurance
There are some downsides to being raised in a place and by parents that molded me into a trusting person. Several months ago I was approached by two guys who wanted me to partner with them and process all of the business from their Afghanistan website for civilian...
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 | Apr 2, 2012 | accidental death, civilian contractors, Civilian War Zone Coverage, commercial fisherman life insurance, dangerous occupation life insurance, insurance, life insurance, Lloyds of London
It occurred to me as I was writing insurance on a civilian contractor working at a forward operating base in Afghanistan a few weeks ago that, that there must be others just like them. There must be other groups of people who could benefit from affordable dangerous...
by Ed Hinerman | Mar 19, 2012 | accidental death, civilian contractors, Civilian War Zone Coverage, foreign travel, insurance, insurance quotes, life insurance
With the amount of business rolling in for people working in AFghanistan and Iraq as civilian contractors it seemed an appropriate time to take a look at some of the other worldwide dangerous occupations where people are not going to find off the shelf accidental...
by Ed Hinerman | Feb 17, 2012 | accidental death, civilian contractors, Civilian War Zone Coverage, insurance, life insurance
I know there are agents that giggle all the way to the bank when they get an opportunity to sell a new policy and replace someone’s existing insurance, even though the existing insurance is still good for the client. I’ve had a lot of clients, or would be...
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 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 9, 2012 | accidental death, civilian contractors, Civilian War Zone Coverage, disability income, foreign travel, insurance, life insurance, Lloyds of London
I am working with a group of men on their war zone coverage, who have been waiting for three months now to start a series of one month trips to Iraq and Afghanistan to do finish work on some newly constructed airport facilities. As is becoming more common in Iraq...
by Ed Hinerman | Nov 30, 2011 | accidental death, civilian contractors, Civilian War Zone Coverage, insurance, life insurance
Is accidental death insurance worth it? Your average run of the mill accidental death policy, or for that matter an accidental death rider on a life insurance policy is, well, not a very good value. The reason those policies are dirt cheap is that the mortality risk...
by Ed Hinerman | Oct 30, 2011 | accidental death, Active Duty Military Life Insurance, civilian contractors, foreign travel, hazardous activities, insurance, life insurance
This is one of those subjects that I write about all the time and pray about every day. It involves an area of my business that I don’t make much money in, but it is an area that I care about as much as, if not ore the rest. I want everyone to have life...
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