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 | Nov 3, 2016 | business life insurance, executives, Foreign National Life Insurance, high net worth, insurance, life insurance
When it comes to obtaining life insurance in Latin America no company can match the financial strength, product portfolio and underwriting expertise of Pan American Life Insurance. In business for that very purpose for over 100 years Pan American continues to be the...
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 19, 2016 | abnormal labs, application process, COPD, Hep C Cure, hepatitis, high net worth, HIV life insurance, HIV Positive, insurance, life insurance
While it would be nice to think you could read headlines like, “New Drug Cure Hepatitis C Completely”, and know that the next headline coming would be, “Life Insurance Companies Give Best Rate Class To Those Cured Of Hep C”, don’t hold...
by Ed Hinerman | Apr 8, 2015 | business life insurance, buy/sell life insurance, CEO life insurance, executives, high net worth, insurable interest, insurance, International Business insurance, key man insurance, life insurance
In all seriousness I hope you don’t ask yourself that question after the fact. Whether you are the President of the company or on the Board of Directors, or the Janitor you should know that the death of the CEO of a company can pass one of two ways, 1. Planned...
by Ed Hinerman | Nov 1, 2014 | Alcohol Treatment Life Insurance, approval, Drug Treatment Life Insurance, DUI, high net worth, impaired risk life insurance, insurance, life insurance, life insurance approval, physicians life insurance
I can tell you without hesitating that I wouldn’t be in the life insurance business if I was just churning out easy business and that isn’t to say I couldn’t make good money doing it. It is the challenges of working with underwriters to find a way to...
by Ed Hinerman | May 13, 2014 | business life insurance, CEO life insurance, customer service, executives, high net worth, insurance quotes, key man insurance, life insurance
No, that’s not a typo. When it comes to business life insurance and insurance for people with high net worth, spending up to hundreds of thousands a year on life insurance is really not that uncommon. And anytime you are buying life insurance what you spend is...
by Ed Hinerman | Jan 29, 2014 | application process, approval, business life insurance, death benefit, estate taxes, executives, high net worth, insurable interest, insurance, life insurance
You can figure I would take off on a subject like this because of some recent interaction with a life insurance underwriter who obviously has a desk somewhere out in left field, but the truth is there is never any shortage of questions that are completely irrelevant...
by Ed Hinerman | Nov 22, 2012 | application process, estate taxes, executives, financial adviser, guarantee, guaranteed level premium, high net worth, insurance, life insurance, no lapse guarantee, universal life
For months, no years now I have been writing about and telling clients about the best permanent product on the life insurance market and how, if they drug their feet long enough considering the purchase, a day would come when they would look back and say, “Dang!...
by Ed Hinerman | Nov 7, 2012 | budget, cash value, high net worth, indixed universal life, insurance, life insurance, no lapse guarantee, rate increase, universal life, variable universal life, whole life
Whether there is anything to the Mayan calendar that predicts the end of the world next month or not, there is one thing that is an absolute life insurance fact. Because of actions by the NAIC, National Association of Insurance Commissioners, with the strict...
by Ed Hinerman | Sep 15, 2012 | business life insurance, buy/sell life insurance, high net worth, insurance, key man insurance, life insurance
It’s a given that most companies would carry key man life insurance or buy/sell life insurance on the CEO. Any company that thinks they are too small or too large for CEO life insurance coverage really hasn’t thought through what would happen if that...
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...
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