by Ed Hinerman | Apr 11, 2011 | foreign travel, insurance, life insurance, War zone life insurance
The lure, even when we were in better economic times, to make the big bucks tax free overseas has always been huge. Whether it is pulling down big paychecks by working in middle east oil fields or civilian contractors rebuilding infrastructure in areas that are...
by Ed Hinerman | Apr 9, 2011 | AARP, final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance
A few years ago I shopped for final expense life insurance just to see what was available and being pushed. I knew there was a propensity in the industry to push some really overpriced, under guaranteed products as senior life insurance. I just wanted to experience...
by Ed Hinerman | Apr 7, 2011 | foreign travel, insurance, life insurance
Afghanistan Life Insurance? As you can probably surmise it isn’t cheap, but for civilian contractors the wages aren’t low either. If you will be traveling to Afghanistan, we can provide a free quote for you. It’s quick and easy to get a quote,...
by Ed Hinerman | Apr 7, 2011 | breast cancer, cancer, insurance, life insurance
Whenever we talk about breast cancer life insurance the real meat of the discussion revolves around stage and grade. Just like the five year survival rate, life insurance for breast cancer survivors is a far better deal with an early stage and low grade. We know that...
by Ed Hinerman | Apr 6, 2011 | final expense life insurance, insurance, life insurance, second to die insurance
A client of mine called today in response to a blog post I had written about the current state of estate preservation life insurance and exemption laws. After reviewing his situation I concurred with his estate attorney that he should look at acquiring a 2nd to die...
by Ed Hinerman | Mar 24, 2011 | final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance
I’ve made no bones about my disdain for the way supposedly reputable life insurance companies treat us seniors. The somehow want us to believe that over 50 life insurance is suddenly different. I’ve been giving some thought to an appropriate analogy that...
by Ed Hinerman | Mar 23, 2011 | basal cell carcinoma, insurance, life insurance, melanoma
I love to golf. There are very few things that carry that same feeling as a well hit drive or sinking a long putt (or for me not missing a short one), but when we can get a case approved at better than standard rates for someone with a history of melanoma, well,...
by Ed Hinerman | Mar 20, 2011 | gastric bypass, insurance, life insurance, obesity
Let’s face it. Obesity has long had a stigma all its’ own. After all, as the stigma goes, no one held them down and fed them until they were morbidly obese! Lack of self control!! Why don’t they just go on a diet and get off their rears and get some...
by Ed Hinerman | Mar 9, 2011 | Burial insurance, final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance
There is an entire industry built around the perception that all seniors that need life insurance only need final expense life insurance or burial insurance. There’s some problems not only with the perception but the way the industry markets senior life...
by Ed Hinerman | Mar 7, 2011 | decline, insurance, life insurance
Declined life insurance applications leave most clients befuddled and the average agent not knowing what to do next. Was your life insurance declined for a reason that doesn’t make much sense to you? I’ve studied this end of the business pretty...
by Ed Hinerman | Mar 3, 2011 | bipolar, bipolar disorder, insurance, life insurance
I want to preface this post by saying I am not making light of any problems that Charlie Sheen may be having or any mental issues that he is dealing with. Nor am I judging him. There was a suggestion made in one interview that he might have bipolar disorder which he...
by Ed Hinerman | Mar 2, 2011 | insurance, life insurance, pilot, private pilots
I was running some quotes for a client of mine a few days ago, a husband and wife private pilot team. They had inquired through AOPA, Aircraft Owners and Pilots Association, for group coverage and had run into several issues. Probably the most troublesome was that...
by Ed Hinerman | Mar 2, 2011 | grace period, insurance, life insurance
I remember a few years ago attempting to contact a customer about a late payment notice on his life insurance. He was one of those guys who really wasn’t too good about returning calls so I kept trying. He had been approved a year before and on his exam had...
by Ed Hinerman | Feb 28, 2011 | insurance, life insurance, pilot, private pilots
That used to be a quick and easy answer. The best life insurance rates were available only to the most experienced and trained pilots. For an airline pilot life insurance was no trick at all. For them they might as well have been a perfectly healthy car salesperson....
by Ed Hinerman | Feb 25, 2011 | guaranteed issue life insurance, insurance, life insurance, no exam, over 50 life insurance, senior life insurance, term insurance, whole life
If an older person does a search for final expense life insurance, the typical policy that someone in their 60’s or 70’s might want, you could easily be led to believe that the only thing available is guaranteed issue or no exam life insurance (simplified...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
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