by Ed Hinerman | Feb 13, 2018 | Foreign National Life Insurance, foreign nationals, high net worth, insurance, International Business insurance, life insurance
As requirements grow tighter with most US based life insurance companies we have one carrier who goes above and beyond to meet the life insurance needs of those who reside outside the United States, whether foreign nationals or ex-patriots. Virtually all other US life...
by Ed Hinerman | Oct 26, 2016 | Foreign National Life Insurance, foreign nationals, insurance, insurance quotes, International Business insurance, life insurance, Pan American Life Insurance
I recently became affiliated with Pan American Life Insurance in hopes of making it substantially easier to write business outside the US, with emphasis on the Caribbean, Latin and South America. Although they can and do serve business world wide, logistically because...
by Ed Hinerman | Aug 3, 2016 | application process, CEO life insurance, Ex Patriot life insurance, executives, Foreign National Life Insurance, foreign nationals, high net worth, insurance, International Business insurance, life insurance
I’m considering Lasik surgery and as with all things medical in the US I was kind of ticked off when I saw the prices and then, how unpatriotic of me, compared them to a vacation to Costa Rica that happened to include the same medical procedure at a state of the...
by Ed Hinerman | Jul 29, 2016 | accelerated death benefit, accidental death, acts of war or terrorism, dangerous occupation life insurance, foreign travel, insurance, International Business insurance, life insurance, mountain climbing, student pilot
At first thought, accidental death insurance seems quite simplistic and obvious without the need for much explanation. But you know me. Why let something obvious go without an explanation. You might be surprised at the number of inquiries I get asking what exactly...
by Ed Hinerman | Mar 17, 2016 | business life insurance, buy/sell life insurance, CEO life insurance, insurable interest, insurance, International Business insurance, key man insurance, life insurance
The nice thing about having your own business is that, at least within the law, no one can tell you how to run it. We can recommend all we want that you flip those burgers just 15 seconds earlier or that you use gluten free beer in your beer battered fish filet, but...
by Ed Hinerman | Feb 22, 2016 | application process, buy/sell life insurance, CEO life insurance, Ex Patriot life insurance, Foreign National Life Insurance, insurance, International Business insurance, life insurance, retirement life insurance
I have a mentor/friend/business partner in life insurance of sorts in Denver who is a few years older than me (we have the 60’s covered) and we have kicked around retiring in Panama for a few years. The idea of Caribbean or Central American retirement certainly...
by Ed Hinerman | Jan 18, 2016 | application process, business life insurance, buy/sell life insurance, CEO life insurance, customer service, executives, insurance, International Business insurance, key man insurance, life insurance, loyal customers, partnership business life insurance
Who, if they left your company or died without adequate life insurance, would derail your company? Maybe it wouldn’t put you out of business but for at least a while you would experience chaos at a business level. It could be that the reputation of the CEO, with...
by Ed Hinerman | Apr 8, 2015 | business life insurance, buy/sell life insurance, CEO life insurance, executives, high net worth, insurable interest, insurance, International Business insurance, key man insurance, life insurance
In all seriousness I hope you don’t ask yourself that question after the fact. Whether you are the President of the company or on the Board of Directors, or the Janitor you should know that the death of the CEO of a company can pass one of two ways, 1. Planned...
by Ed Hinerman | Mar 23, 2015 | beneficiary, business life insurance, buy/sell life insurance, CEO life insurance, customer service, executives, insurable interest, insurance, International Business insurance, key man insurance, life insurance
As a business person I can tell you that just the suggestion by someone that I should purchase something else to benefit my business makes me, well, underwhelmed with enthusiasm. I know the problem extends way beyond business and centers around the fact that there are...
by Ed Hinerman | Jan 20, 2015 | business life insurance, buy/sell life insurance, customer service, impaired risk life insurance, Independent agent, insurance, International Business insurance, life insurance, life insurance approval, private pilots
I, we, Hinerman Group, just completed our reunification move to Colorado. Every once in a while I make bad decisions (moving to NM where it rains), but I am more known for my brilliance (coming back to CO where it snows). With that move I am promising more of the same...
by Ed Hinerman | Nov 25, 2014 | application process, approval, business life insurance, CEO life insurance, executives, insurance, International Business insurance, life insurance, life insurance approval
Being one of them (the old folks) I carefully admit that I was probably a little easier to underwriter for life insurance 20 or 30 years ago than I am today. I am currently working the partners in a company, both in their 60’s, who made a real common error in...
by Ed Hinerman | Oct 27, 2014 | business life insurance, buy/sell life insurance, CEO life insurance, executives, impaired risk life insurance, insurable interest, insurance, International Business insurance, key man insurance, life insurance
I get that business people get tired of hearing about all of the kinds of insurance they should be carrying because I am one. I carry more than what’s required by law in errors and omissions insurance just because of the litigious nature of our country. I err on...
by Ed Hinerman | Jun 18, 2014 | business life insurance, buy/sell life insurance, CEO life insurance, civilian contractors, Civilian War Zone Coverage, dangerous occupation life insurance, executives, insurance, International Business insurance, key man insurance, life insurance, life insurance approval
According to recent U.S. State Department statistics, over 6.3 million American civilians currently live in more than 160 countries around the world. Due to modern globalization and the optimistic ideals of free trade and enterprise, the United States has one of the...
by Ed Hinerman | May 31, 2014 | approval, business life insurance, buy/sell life insurance, CEO life insurance, executives, guaranteed level premium, impaired risk life insurance, insurance, International Business insurance, key man insurance, life insurance, life insurance approval, over 50 life insurance
For me there was really nothing to come to grips with. I’ve seen the new 60 become 65 and the new 65 become 70 and I’ve seen the government tweak social security so that the longer you don’t take it the more money you are paid (per month), or put...
by Ed Hinerman | Apr 18, 2014 | business life insurance, buy/sell life insurance, CEO life insurance, executives, impaired risk life insurance, Independent agent, insurance, International Business insurance, key man insurance, life insurance, over 50 life insurance
I found out yesterday that business life insurance isn’t always for what I would call work related purposes. I got a call from the founder, CEO and chief laborer of a company that films shark fishing. Interesting case because literally what the key man life...
Recent Comments