by Ed Hinerman | Mar 27, 2015 | Alcohol Treatment Life Insurance, decline, Drug Treatment Life Insurance, hazardous activities, insurance, kidnap, life insurance, marijuana use
I get it that this is a free country and the majority rules democratically and all that, but when a selfish, uninformed majority (barely) legalizes recreational use of pot, well, it’s like stupid on steroids. Someone very close to me is addicted to drugs so if I...
by Ed Hinerman | Jun 23, 2014 | CEO life insurance, hazardous activities, Independent agent, insurance, life insurance, life insurance approval, life insurance underwriting, pilot, private pilots, student pilot
With the economy doing a little better private pilots, aviation instructors and commercial pilots are checking their life insurance and getting back off the ground. When a gallon of fuel was worth almost as much as the aircraft especially the private pilots and...
by Ed Hinerman | Nov 9, 2011 | business life insurance, hazardous activities, income replacement, Infinite banking, insurance, life insurance
Remember the “dress for success” thing that started back in the 70’s? I think it was probably a reaction to the way most people my age decided to dress in the 60’s. It never really worked for me. Every time I dressed for success, even if I got...
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 23, 2011 | disability, disability income, executives, hazardous activities, income replacement, professional athletes
Let’s step away from life insurance for a day and address an inherent problem in disability income insurance. Disability income insurance is there to theoretically replace earned income in the event that a person is disabled by injury or illness. Companies...
by Ed Hinerman | Oct 14, 2011 | Active Duty Military Life Insurance, hazardous activities, insurance, life insurance
Among the seemingly unending insults that our men and women in uniform, along with low pay, terrible hours and risk that is above any other job, is the fact that they can’t buy personal life insurance if they are headed into harms way from virtually all life...
by Ed Hinerman | Sep 20, 2011 | accidental death, AIG, Civilian War Zone Coverage, decline, hazardous activities, insurance, life insurance, private pilots
If you’ve entertained looking into high paying work in Iraq and Afghanistan, you’re not alone with the job situation here. The lure of a year or two of work to get back on financially stable ground is tempting. But “job” comes with an asterisk...
by Ed Hinerman | Jun 27, 2011 | accidental death, contestability, death benefit, hazardous activities, insurance, life insurance, pilot, private pilots, scuba diving, skydiving
Let’s start with the good news. If you have life insurance in force and you took up your hazardous activity after putting that life insurance policy in force, and didn’t apply for the insurance because you were anticipating taking up the dangerous hobby,...
by Ed Hinerman | Mar 12, 2009 | hazardous activities, Independent agent, insurance, life insurance, scuba diving
Part of every life insurance interview has to do with extreme or dangerous activities. Often when I ask clients about whether they participate in anything like that, they will answer something like, “Well, I golf or fish. Does that count?” It seems after...
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