by Ed Hinerman | Aug 6, 2016 | acts of war or terrorism, Civilian War Zone Coverage, decline, foreign travel, insurance, life insurance
I’m working with husband and wife clients currently that plans on visiting Ukraine in the next few months, albeit Western Ukraine where the lack of action is the norm. So how does life insurance view this? It may not be a once in a life time visit, but it is...
by Ed Hinerman | Jul 29, 2016 | accelerated death benefit, accidental death, acts of war or terrorism, dangerous occupation life insurance, foreign travel, insurance, International Business insurance, life insurance, mountain climbing, student pilot
At first thought, accidental death insurance seems quite simplistic and obvious without the need for much explanation. But you know me. Why let something obvious go without an explanation. You might be surprised at the number of inquiries I get asking what exactly...
by Ed Hinerman | Oct 14, 2015 | approval, bipolar disorder, contestability period, death benefit, foreign travel, insurance, life insurance, life insurance approval, private pilots
I would never encourage a client to fudge on a life insurance application question, or even kind of skirt around an issue for the sake of getting approved. It’s an open invitation to having a death benefit successfully contested. Honesty is simply and completely...
by Ed Hinerman | Jun 11, 2014 | application process, business life insurance, buy/sell life insurance, CEO life insurance, customer service, executives, Foreign National Life Insurance, foreign travel, insurance, life insurance, life insurance approval
I understand that there are quite a few very fine life insurance companies that are domiciled in Canada, but having said that there are some compelling reasons for considering US life insurance companies for personal, and especially for business coverage. Among those...
by Ed Hinerman | Apr 10, 2014 | business life insurance, CEO life insurance, foreign travel, impaired risk life insurance, insurance, life insurance, life insurance approval
Ok, so I’m kind of on a rip about business life insurance and business executives lately, but what I’m finding is that there seem to be a lot of CEO’s and other executives that are paying way too much for their business life insurance or have been...
by Ed Hinerman | Jan 2, 2014 | contestability, contestability period, disability income, foreign travel, insurance, life insurance, life insurance claim
I am currently working with the CEO, President and Vice president of a company that has turned global in nature. They currently qualify for disability income insurance based on their past and planned business travel, but are concerned that the limitations set to...
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 | 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 | Mar 6, 2012 | accidental death, Active Duty Military Life Insurance, foreign travel, High Limit AD and D, insurance, life insurance, missionaries, professional car racing
We’ve talked a lot over the years about exclusions in life insurance policies. There’s the dark side which is mostly urban legend. The cases we’ve all heard about where, a claim is denied because a person died in a car accident after suffering a...
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 | 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...
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...
by Ed Hinerman | Oct 22, 2011 | accidental death, foreign travel, insurance, life insurance, Lloyds of London, terrorism, travel insurance
Anyone who has served in the international Christian mission field and has tried to get life insurance has probably discovered that almost all life traditional insurance companies will decline missionaries. For instance an individual who is planning on serving as a...
by Ed Hinerman | Apr 11, 2011 | foreign travel, insurance, life insurance, War zone life insurance
The lure, even when we were in better economic times, to make the big bucks tax free overseas has always been huge. Whether it is pulling down big paychecks by working in middle east oil fields or civilian contractors rebuilding infrastructure in areas that are...
by Ed Hinerman | Apr 7, 2011 | foreign travel, insurance, life insurance
Afghanistan Life Insurance? As you can probably surmise it isn’t cheap, but for civilian contractors the wages aren’t low either. If you will be traveling to Afghanistan, we can provide a free quote for you. It’s quick and easy to get a quote,...
Recent Comments