by Ed Hinerman | Dec 13, 2012 | business life insurance, buy/sell life insurance, CEO life insurance, death benefit, executives, insurance, life insurance
Any of us who have financial responsibilities should have life insurance to cover the need. I carry life insurance that would pay off rental property and our home if I died, leaving my wife with an income stream and no debt. I carry some more that would replace the...
by Ed Hinerman | Dec 11, 2012 | Civilian War Zone Coverage, dangerous occupation life insurance, life insurance, life insurance approval
I know that far too many civilian contractors in war zones ended up there, whether Iraq or Afghanistan of Libya, without time or adequate planning to put the life insurance they might need in force. I can see myself rushing to get all the t’s crossed and...
by Ed Hinerman | Dec 7, 2012 | accelerated death benefit, civilian contractors, Civilian War Zone Coverage, dangerous occupation life insurance, High Limit AD and D, insurance, life insurance
There are some downsides to being raised in a place and by parents that molded me into a trusting person. Several months ago I was approached by two guys who wanted me to partner with them and process all of the business from their Afghanistan website for civilian...
by Ed Hinerman | Dec 7, 2012 | BMI, build, height and weight, life insurance, life insurance approval, obesity
Prudential has long been our go to company for those whose weight just wouldn’t garner an approval from any other companies. It wasn’t preferred plus life insurance rates for overweight people, but it was an approval and it was the only place to find one in so...
by Ed Hinerman | Dec 3, 2012 | cash value, financial adviser, guarantee, insurance, life insurance, Met Life, universal life, variable universal life, whole life
Over my career in life insurance I’ve run across some really sleazy things done by life insurance agents that in no way helped the client but definitely made the agent a great payday. Our industry has some checks and balances in place to try to hold down...
by Ed Hinerman | Dec 1, 2012 | estate taxes, final expense life insurance, insurance, life insurance, no lapse guarantee, over 50 life insurance, rate increase, universal life
I get calls every once in a while from people whose spouse or parent is literally terminally ill and many times imminently terminal. I think they know the answer already but I understand that they see what’s coming and they know it’s going to be a financial hit and,...
by Ed Hinerman | Nov 30, 2012 | approval, bipolar disorder, decline, gastric bypass, insurance, life insurance, life insurance approval, Type 1 diabetes
Being in the impaired risk end of the life insurance business, and specializing in helping people who aren’t having any fun with their life insurance experience, almost everyone who calls or emails me has on thing in common. The have unfortunately allowed the...
by Ed Hinerman | Nov 27, 2012 | AARP, Active Duty Military Life Insurance, insurance, life insurance, Met Life, New York Life, over 50 life insurance
I am firmly on record as believing with all my heart that MetLife may own the rights to use Snoopy, but morally they don’t deserve it. I first lost my patience with their Snoopy abuse when I found the bottom line on their patriotic offer to provide life...
by Ed Hinerman | Nov 26, 2012 | Anxiety, bipolar disorder, Depression, gastric bypass, insurance, life insurance, life insurance approval, mortality, mortality risk, obesity
Let me start out by saying that traditional life insurance underwriting doesn’t reward treatment of health issues. That is as in DOES NOT reward. There are still life insurance companies out there that will whack a client like a golf ball for taking medication...
by Ed Hinerman | Nov 22, 2012 | application process, estate taxes, executives, financial adviser, guarantee, guaranteed level premium, high net worth, insurance, life insurance, no lapse guarantee, universal life
For months, no years now I have been writing about and telling clients about the best permanent product on the life insurance market and how, if they drug their feet long enough considering the purchase, a day would come when they would look back and say, “Dang!...
by Ed Hinerman | Nov 19, 2012 | compliance, insurance, insurance quotes, life insurance, life insurance approval, mortality, mortality risk
This is one of these subjects that goes in several directions. Your doctor’s opinion can help you get the best possible life insurance rate. It can also bring your life insurance application to a screeching halt and if it ever comes down to who is right, the...
by Ed Hinerman | Nov 7, 2012 | budget, cash value, high net worth, indixed universal life, insurance, life insurance, no lapse guarantee, rate increase, universal life, variable universal life, whole life
Whether there is anything to the Mayan calendar that predicts the end of the world next month or not, there is one thing that is an absolute life insurance fact. Because of actions by the NAIC, National Association of Insurance Commissioners, with the strict...
by Ed Hinerman | Nov 6, 2012 | approval, bipolar, bipolar disorder, decline, executives, impaired risk life insurance, insurance, life insurance
I am more amazed every day at the huge misconception there seems to be in our country about the face of bipolar disorder and what it most certainly means when it comes to trying to be approved for life insurance. To give you a sense where most life insurance companies...
by Ed Hinerman | Nov 5, 2012 | approval, contestability, decline, financial adviser, insurance, life insurance
Over the last seven years I have only taken, I think, maybe three opportunities in this forum to spout off on a subject not necessarily related to life insurance, life insurance underwriting or impaired risk life insurance. The election is tomorrow and without knowing...
by Ed Hinerman | Nov 2, 2012 | accidental death, business life insurance, buy/sell life insurance, civilian contractors, Civilian War Zone Coverage, foreign nationals, High Limit AD and D, insurance, International Business insurance, life insurance
I’ve brought this up in the past in response to a very real need with missionaries. Traditional life insurance isn’t horribly friendly to folks doing mission work outside of the country, a knee jerk reaction to the fact that there are some places in the...
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