by Ed Hinerman | Sep 27, 2021 | business life insurance, CEO life insurance, HIV business life insurance, insurance, life insurance, life insurance approval
I wrote this post 4 years ago and there have been changes in business life insurance and specifically the SBA requirements, so here’s an update. Hope it helps. All the best. Business Life Insurance Proving Hard To Get? Let’s Change That Just because...
by Ed Hinerman | Feb 16, 2018 | business life insurance, buy/sell life insurance, CEO life insurance, HIV business life insurance, HIV life insurance, insurance, life insurance, life insurance approval
Having just placed a $9 million business life insurance key man policy, I can tell you that the welcome mat is out for those in business or for personal needs who have well controlled HIV. It’s no secret that being HIV+ has changed medically with, in many cases,...
by Ed Hinerman | Feb 3, 2018 | business life insurance, CEO life insurance, clinical underwriting, Hep C Cure, HIV business life insurance, insurance, life insurance, life insurance approval, Type 1 diabetes
To say that the nature, the underwriting and the life insurance products have changed and changed remarkably over the last 10 years is an understatement. There is the old world of life insurance and now we are really, truly living in a new world and customers, both...
by Ed Hinerman | Jan 4, 2018 | approval, business life insurance, CEO life insurance, Hep C Cure, HIV business life insurance, HIV life insurance, indexed universal life, insurance, life insurance
2017 was a fantastic year for progress in life insurance underwriting. Business boomed for those companies bold enough to acknowledge and embrace major medical breakthroughs and the life insurance agents that represented those companies could finally announce fair...
by Ed Hinerman | Aug 8, 2017 | approval, CEO life insurance, compliance, Conversion to a permanent product, guaranteed level premium, HIV business life insurance, HIV life insurance, insurance, life insurance, life insurance approval
Now that’s what I’ve been talking about for years. For every effort and struggle I’ve gone through on behalf of fair life insurance treatment for HIV+ clients, you, the clients, have been the people that have suffered for so long. Unable to provide...
by Ed Hinerman | Aug 3, 2017 | approval, HIV business life insurance, HIV life insurance, insurance, life insurance, life insurance approval
What a slow, slow dance this has been trying to find a company, wait for a company, invent a company…that would take the HIV+ life insurance market seriously. At last count we have been through six big name companies that have sworn they were in the HIV+ life...
by Ed Hinerman | Jul 5, 2017 | business life insurance, HIV business life insurance, HIV life insurance, insurance, life insurance, life insurance approval, personal life insurance, Type 1 diabetes
With the king sized jacking around that life insurance companies are giving HIV+ clients and the agents that fight for them I am occasionally left wondering if the whole game is worth it. Life insurance companies seem to decline and very rarely approve these policies...
by Ed Hinerman | May 16, 2017 | application process, business life insurance, buy/sell life insurance, Cannabis business life insurance, CEO life insurance, HIV business life insurance, insurance, life insurance, life insurance approval
We’ve discussed at length (some would say ad nauseum) in this forum about the critical need for business life insurance for the key people in your company. The CEO having key person life insurance is going to be demanded by lenders as your business grows and...
Recent Comments