by Ed Hinerman | May 28, 2009 | insurance, life insurance, pilot, private pilots
While the words CEO and flying may cause a little angst among some, the truth is that CEO’s are flying privately more often and whether that is on a corporately owned aircraft, a chartered jet, or their personally owned airplane, it is generally more efficient...
by Ed Hinerman | May 27, 2009 | AARP, insurance, life insurance, New York Life, term insurance, universal life, whole life
Just got back from a conference in California and am catching up on the latest news. Life insurance giant New York Life, AARP’s partner in crime with their term insurance and whole life products, doesn’t seem to be making enough soaking us old folks. They...
by Ed Hinerman | May 22, 2009 | foreign travel, insurance, life insurance
AXA Equitable announced recently an easing of foreign travel restrictions for both term insurance and universal life products. These new guidelines now allow, depending on the destination, 4-12 weeks of travel and in some cases living abroad for extended periods. To...
by Ed Hinerman | May 21, 2009 | bipolar, bipolar disorder, insurance, life insurance
I read a post on Twitter @bpluv today that really kind of drives home one of the points that I’ve been trying to make about the bipolar disorder/life insurance experience. It starts with the oh so true supposition that “Mental illness doesn’t make me...
by Ed Hinerman | May 20, 2009 | Banner Life, insurance, life insurance, term insurance, universal life
I was just tallying up the life insurance companies that hadn’t jumped on the rate increase bandwagon the other day and was pleased to see some of our best impaired risk companies holding firm. Lost one today though. Banner Life and their New York cousin William...
by Ed Hinerman | May 20, 2009 | cancer, insurance, life insurance, prostate cancer, universal life
A person contacted me a few months back looking for a policy to replace his current universal life which is going up in price on every anniversary date. He has been paying on the UL for about 15 years and just two years ago he received notice that the policy no longer...
by Ed Hinerman | May 19, 2009 | Banner Life, bipolar, bipolar disorder, Depression, insurance, life insurance
Most of the life insurance cases I work are shopped to multiple companies just so I can be assured that the insurance quote I am providing really is going to be as good as it gets and ultimately the client gets the most bang for their buck. When I shop I am looking...
by Ed Hinerman | May 18, 2009 | business life insurance, buy/sell life insurance, insurance, key man insurance, life insurance
That’s an easy one. If you can think of a person in the company, whether that is you, your partner, a long time key employee or board members that make the whole thing work, whose death would cause a financial stumbling block, there is a need for business life...
by Ed Hinerman | May 18, 2009 | asthma, blood pressure, diabetes, high blood pressure, hypertension, insurance, life insurance, mortality, mortality risk, obesity, stroke, Type 2 diabetes
Guilty as charged. I am one of those recovering saltaholics that grabs the salt shaker and tops off a meal before I’ve even taken a bite to see if it needs it. I love salt and although I am getting better about at least giving something a taste first, the truth...
by Ed Hinerman | May 15, 2009 | AIG, insurance, life insurance, Prudential, term insurance
One of the considerations when you are putting together a life insurance program or portfolio should be flexibility, a way to deal with the “what ifs” in life. I’ve seen this a little more than usual as people have dealt with different aspects of the...
by Ed Hinerman | May 15, 2009 | AARP, insurance, life insurance, term insurance
I often hear to comment from clients that “they should do this before they turn 50 or 55 or 60” because they have heard the urban myth that at certain ages life insurance rates take an obnoxious jump, a way to offset all the benefits we get from our...
by Ed Hinerman | May 14, 2009 | cholesterol, HDL, heart attack, high blood pressure, hypertension, insurance, life insurance, stroke
There are plenty of people that apply for life insurance and are sure they are going to get the best rate class available. In their mind they are even ahead of Superman because he has that disorder that has to do with Kryptonite. These people have never been sick,...
by Ed Hinerman | May 14, 2009 | estate taxes, insurance, life insurance, second to die insurance, universal life
Ok, I’m not really holding my breath, but you do realize that with 7 months left to go Congress needs to act or there will be a free estate tax ride in 2010. As the law now stands, the exemption has been rising steadily over the last 9 years from the...
by Ed Hinerman | May 13, 2009 | cancer, death benefit, heart attack, insurance, life insurance, mortality, mortality risk, prayer
If you only had a crystal ball, right? If you knew when you were going to die you could put off buying life insurance right up to the last moment, or if you knew you would outlive the need for life insurance you could just not buy at all. Well, unless you are...
by Ed Hinerman | May 13, 2009 | family history, insurance, life insurance, mortality, mortality risk, smoking
If anyone out there is suffering from the illusion that your medical records are accurate, let me clue you in. The chance that your records contain substantive errors is about 75%. The chance that your records are error free is within the margin of error for 0%....
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