by Ed Hinerman | Feb 13, 2018 | Foreign National Life Insurance, foreign nationals, high net worth, insurance, International Business insurance, life insurance
As requirements grow tighter with most US based life insurance companies we have one carrier who goes above and beyond to meet the life insurance needs of those who reside outside the United States, whether foreign nationals or ex-patriots. Virtually all other US life...
by Ed Hinerman | Oct 26, 2016 | Foreign National Life Insurance, foreign nationals, insurance, insurance quotes, International Business insurance, life insurance, Pan American Life Insurance
I recently became affiliated with Pan American Life Insurance in hopes of making it substantially easier to write business outside the US, with emphasis on the Caribbean, Latin and South America. Although they can and do serve business world wide, logistically because...
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 | Jul 16, 2016 | accidental death, business life insurance, disability, doctor's recommendation, Ex Patriot life insurance, foreign nationals, Gap medical insurance, Health insurance, insurance, medical insurance
Do we really want to even throw that question out there? How about we test out a few facts, throw some perspective on it and see how many of us want to move? The US spends more on health care than any other developed country….with worse outcomes! Well OK, but we...
by Ed Hinerman | May 5, 2016 | application process, Ex Patriot life insurance, Foreign National Life Insurance, foreign nationals, insurance, life insurance
I went to a barn dance a lot of years ago and discovered that doing the two step isn’t necessarily all about rhythm and footwork, but also knowing which direction to go. If you aren’t shuffling your way around the dance floor counter clock wise, you are...
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 | Jun 20, 2012 | Foreign National Life Insurance, foreign nationals, high net worth, insurance, life insurance, term insurance, whole life
I received an update on new foreign national life insurance underwriting guidelines today from one of the country’s largest life insurance companies. They announced a liberalization of requirements for Mexican and Canadian citizens. From past posts you would...
by Ed Hinerman | Apr 13, 2012 | executives, Foreign National Life Insurance, foreign nationals, foreign travel, insurance, International Business insurance, life insurance
I am more than pleased with the amount of international life insurance business we’ve been able to generate and place over the last year. It is definitely not for everyone but for those who need what the US has to offer and can afford the travel to apply for and...
by Ed Hinerman | Jan 3, 2012 | Foreign National Life Insurance, foreign nationals, insurance, life insurance
As I ease my way into this market it is becoming clear that there are a lot of foreign nationals outside of the US who would like to own US life insurance and it is also becoming clear that it isn’t nearly as cumbersome a task as you might think. Are there hoops...
by Ed Hinerman | Dec 9, 2011 | A1c, diabetes, foreign nationals, Infinite banking, insurance, life insurance, prostate cancer, Sleep apnea
I’ve been writing long enough that I am bound to be a little redundiferous at times, but I don’t think it can be said too many times. If you use the wrong agent to buy life insurance, who picks the wrong company for your situation, you will not enjoy a...
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 25, 2011 | Foreign National Life Insurance, foreign nationals, insurance, International Business insurance, life insurance
Over the years I have taken several runs at different ways to get life insurance from US companies for foreign nationals living in their home countries. I went through some dry runs with Sagicor and Pan American and found that, for the most part, the process was very...
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 27, 2011 | cash value, foreign nationals, insurance, life insurance, term insurance, whole life
Having spent a good deal of my career steering folks away from whole life insurance I found it fascinating to be talking to a customer that came to me and told me exactly what she wanted to buy. She wanted to do the business through me and it was whole life insurance...
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...
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