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 | 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 | Aug 11, 2016 | appropriate life insurance recommendation, customer service, HIV life insurance, insurance, life insurance
How do you know if someone really cares about what they do? If they don’t stop putting the information out there, never stop trying to reach just one more person, because for my clients it’s help that is on the way. I’ve been writing in this forum...
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 | Jul 12, 2016 | HIV life insurance, HIV Positive, honesty, insurance, life insurance
Remember that famous book, “The Old Man and the HIV Life Insurance Market”? Yah, me too. But at this point I am considering the fact that the sea may burst forth as fresh water (it’s my poetic license right) before we see fair, consistent...
by Ed Hinerman | Jul 6, 2016 | arrythmia, bait and switch, business life insurance, decline, HIV life insurance, HIV Positive, insurance, life insurance
The joke that is HIV+ life insurance underwriting that is. I guess that would be the first joke, that there is in fact underwriting of life insurance applications for those who have HIV+ and have applied for life insurance. The second joke is that they are actually...
by Ed Hinerman | Jun 17, 2016 | bipolar, bipolar disorder, business life insurance, CEO life insurance, Depression, HIV life insurance, insurance, life insurance
I thought I was going to be famous when I figured out how to play a game of Monopoly, not even life insurance Monopoly, with four people in under a half hour, beginning to end. I think we could add Life insurance and make the game shorter. Just put one square out...
by Ed Hinerman | May 4, 2016 | application process, business life insurance, buy/sell life insurance, CEO life insurance, HIV life insurance, HIV Positive, insurance, key man insurance, life insurance
Until very recently we have had to go almost exclusively to Lloyds of London for Key person, CEO loan collateral and buy/sell funding business life insurance when the client was HIV positive. There’s no need to beat redundant to death by going over all of the...
by Ed Hinerman | Apr 26, 2016 | application process, approval, bipolar disorder, HIV life insurance, HIV Positive, insurance, life insurance, life insurance approval
Those of you who have read this journey with me know that it has been a decidedly unfriendly trip since, almost two years ago now, the first life insurance companies said they were ready to entertain the underwriting of traditional life insurance for well controlled...
by Ed Hinerman | Aug 4, 2015 | application process, approval, bipolar disorder, decline, HIV life insurance, HIV Positive, impaired risk life insurance, Independent agent, insurance, life insurance
In the business of serious impaired risk life insurance, I celebrate each victory, and never take it for granted that the next one will be the same or end in an approval. We just got another HIV+ life insurance approval, this time for an executive in a large city...
by Ed Hinerman | Jun 25, 2015 | application process, approval, business life insurance, CEO life insurance, guaranteed level premium, HIV life insurance, HIV Positive, life insurance
There is nothing quite like fighting the good fight and getting your butt handed to you. While we’ve been able to provide life insurance for business purposes to HIV+ CEO’s and executives for years through Lloyds of London, anyone who has followed this...
by Ed Hinerman | Jun 3, 2015 | approval, business life insurance, CEO life insurance, decline, exclusions, executives, HIV life insurance, HIV Positive, insurance, lab results, life insurance
A year and a half after I was run over by the HIV+ life insurance bus I’ve kept on plugging away and now, finally, my wounds have healed and we have finally stepped back on the bus. The rumor has circulated for years that companies were ready to entertain...
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