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When Business Life Insurance Is Hard To Get!

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...

Gestational Diabetes Impact On Life Insurance

by Ed Hinerman | Apr 28, 2021 | diabetes, insurance, life insurance

It’s been 10 years since I wrote this post. A lot has changed in how life insurance companies view gestational diabetes. Some worse and some in the right direction. I hope bringing this up to date will be helpful. All the best. What’s The Fuss Over...

Breast Cancer Life Insurance Underwriting

by Ed Hinerman | Apr 24, 2021 | breast cancer, insurance, life insurance

I wrote this post about 10 years ago. That was just a few years after my mother went through diagnosis and treatment for breast cancer and it gave me a whole new awareness of the aspects like stage and grade and treatment options. I hope updating the information (and...

How Life Insurance Needs Change As We Age!

by Ed Hinerman | Apr 12, 2021 | insurance, life insurance, over 50 life insurance

This was first written back in 2011 and, strangely, the older I get the more it makes sense. I thought I would dust it off and see if could have some rewritten value added for you. All the best. Nothing Else Is The Same At 60 As It Was 30! Why Would Life Insurance Be...

Annoying Life Insurance Sales

by Ed Hinerman | Oct 14, 2020 | insurance, insurance quotes, life insurance

I wrote this post early last year, but just had an experience that inspired me to update the post and bring a little information to the table. Shopping For Life Insurance Can Be OK Or Seriously Annoying. Why? In life insurance it isn’t even like those incessant...

AOPA Raising Life Insurance Rates 30%!!

by Ed Hinerman | Aug 3, 2020 | insurance, life insurance, pilot, private pilots

AOPA Bails On Competitive?? Life Insurance For Pilots Aircraft Owners and Pilots Assocation, AOPA, has offered group life insurance for pilots for a long time. I know they have for at least the last 20 years since I’ve been competing with them for life insurance...

Top Ten Independent Life Insurance Agents In The Country

by Ed Hinerman | Aug 13, 2019 | customer service, Independent agent, insurance, life insurance

If you look that up on Google, on the first page, all of the offerings are about life insurance companies (top 10 companies). There is one that talks about 13 agents who wrote monster life insurance policies. But, let’s consider what you would want if you...

Quotacy Life Insurance Reviews: Bait And Switch A La Carte!

by Ed Hinerman | Apr 17, 2019 | bait and switch, impaired risk life insurance, insurance, life insurance

A la carte means you get what you want and Quotacy is one of the stand out life insurance quote offerings that gives it to you – not the way it really is, but the way you want it. They have taken the art of life insurance bait and switch to its simplest and most...

Key Person Business Life Insurance

by Ed Hinerman | Dec 5, 2018 | business life insurance, Cannabis business life insurance, CEO life insurance, insurance, key man insurance, life insurance

For the next few weeks I am going to pick apart and try to make sense of business life insurance in all of its’ different forms. Just like personal life insurance, business life insurance is meant to take the burden off of a company in the same way that personal...

Will Your BNP Result In A Life Insurance Decline?

by Ed Hinerman | Nov 6, 2018 | atrial fibrillation, business life insurance, CEO life insurance, insurance, life insurance, life insurance approval

So, BNP (natriuretic peptide). What the heck is it? In layman’s terms (so I can understand it), BNP is a protein release by the heart that could indicate congestive heart failure. But listen up all of you life insurance underwriters……It could mean a...

Did Your Doctor Really Say That?

by Ed Hinerman | Nov 5, 2018 | insurance, life insurance, life insurance approval, medical records life insurance, Sleep apnea

If the Wall St Journal was doing an article on life insurance applications and how underwriters interpret your medical records they would have their hands full. Without exaggerating most medical records contain errors and ambiguous notes. To be fair to the...

Great Life Insurance Deals You Haven’t Heard About!

by Ed Hinerman | Oct 13, 2018 | business life insurance, Cannabis business life insurance, CEO life insurance, insurance, life insurance, life insurance approval

It’s what we’re all looking for when we finally get around to the task of acquiring life insurance, a great deal. For each of us that can be defined differently. For many of my clients just finding a company that will approve a life insurance policy is a...

Huge Life Insurance Meltdown!

by Ed Hinerman | Sep 21, 2018 | cash value, indexed universal life, insurance, life insurance, universal life

The Wall Street Journal recently posted an article titled, “Universal Life Insurance, a 1980s Sensation, Has Backfired”. Now I have become keenly aware over the years that very few people really take my blog to heart unless the run into a post that is an...

US Companies Hit All Time Low With Foreign National Life Insurance!

by Ed Hinerman | Apr 10, 2018 | business life insurance, CEO life insurance, Foreign National Life Insurance, insurance, life insurance, life insurance approval

I am still shaking my head over the news I got today from the last bastion of reasonable foreign national life insurance underwriting. Most US life insurance companies had gone south in this niche a few years ago, heading their life insurance guidelines for foreign...

Major Breakthrough Foreign National Life Insurance

by Ed Hinerman | Mar 29, 2018 | business life insurance, Ex Patriot life insurance, Foreign National Life Insurance, insurance, life insurance

The picture keeps getting brighter for the four categories of international and foreign national life insurance. The first is Americans living abroad, whether ex-patriots, missionaries or retirees. The second is foreign nationals living in the US who are still...
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