by Ed Hinerman | Oct 28, 2011 | accidental death, business life insurance, buy/sell life insurance, insurance, International Business insurance, key man insurance, life insurance, Lloyds of London
I remember when a one world economy was the stuff that movies and books were made of. Conspiracy theories were rampant about a global economy kind of being the beginning of the end. So, the reality is that we are there. That is us. There are certainly plenty of home...
by Ed Hinerman | Oct 27, 2011 | cash value, foreign nationals, insurance, life insurance, term insurance, whole life
Having spent a good deal of my career steering folks away from whole life insurance I found it fascinating to be talking to a customer that came to me and told me exactly what she wanted to buy. She wanted to do the business through me and it was whole life insurance...
by Ed Hinerman | Oct 26, 2011 | Anxiety, bipolar, bipolar disorder, Depression, insurance, life insurance
Ok, so occasionally I’m like a broken record (dated myself on that one) and can’t quite let go of an injustice. My Mom thinks that’s a good thing and my wife says as long as it doesn’t affect my blood pressure she’s good with it…so...
by Ed Hinerman | Oct 25, 2011 | business life insurance, buy/sell life insurance, executives, Foreign National Life Insurance, foreign nationals, foreign travel, insurance, key man insurance, life insurance
Impaired risk life insurance has always been the cornerstone of our business. That decision to take the life insurance agent path less traveled has proven to be a blessing for our clients and for me. The majority of agents are after the majority of clients. Clients...
by Ed Hinerman | Oct 22, 2011 | accidental death, foreign travel, insurance, life insurance, Lloyds of London, terrorism, travel insurance
Anyone who has served in the international Christian mission field and has tried to get life insurance has probably discovered that almost all life traditional insurance companies will decline missionaries. For instance an individual who is planning on serving as a...
by Ed Hinerman | Oct 22, 2011 | cancer, executives, insurance, life insurance, Lloyds of London, professional athletes
Let me start by saying that I am no expert on what Lloyds can do or even how they pull it all off, but I now have the connections to take a Lloyds insurance situation and get it in place in a timely manner. What I’ve found is that, as much as I would like to...
by Ed Hinerman | Oct 21, 2011 | AARP, Burial insurance, final expense life insurance, insurance, life insurance, over 50 life insurance, senior life insurance
When you’re over 50 life insurance offers start coming from everywhere. Final Expense insurance. Burial life insurance. The truth is that the senior life insurance market is the most hammered niche in the industry. Why? They think they can push our buttons when...
by Ed Hinerman | Oct 20, 2011 | Anxiety, bipolar, bipolar disorder, insurance quotes, life insurance
Gosh. It’s been a while since I’ve talked about bipolar disorder life insurance and the continued success we are having placing reasonably priced life insurance for bipolar and the whole gamut of mood disorders. Since it has been a while let’s review...
by Ed Hinerman | Oct 18, 2011 | insurance, life insurance, military, police
I don’t think you would find a life insurance underwriter that would argue that the mortality risk for police life insurance or firefighter life insurance is higher than the average person on the street. Something about carrying guns and having to use them,...
by Ed Hinerman | Oct 17, 2011 | business life insurance, buy/sell life insurance, insurance, key man insurance, life insurance
Probably very close to 100% of the time a person can go about obtaining life insurance with the traditional application, exam and underwriting period. But there are exceptions. The truth is I don’t recommend that anyone that needs life insurance and...
by Ed Hinerman | Oct 14, 2011 | Active Duty Military Life Insurance, hazardous activities, insurance, life insurance
Among the seemingly unending insults that our men and women in uniform, along with low pay, terrible hours and risk that is above any other job, is the fact that they can’t buy personal life insurance if they are headed into harms way from virtually all life...
by Ed Hinerman | Oct 12, 2011 | accidental death, Civilian War Zone Coverage, insurance, life insurance
I had a call today from a wife whose husband has a great high paying job as a translator for the military in Afghanistan. He’s a civilian, but works translating for trainers working with Afghan police forces and also goes on patrol with marines as a translator....
by Ed Hinerman | Oct 12, 2011 | blood pressure, cholesterol, insurance, life insurance
It’s been a long time since most insurance made any kind of fuss over being treated for cholesterol. As long as it was well controlled you could count on best rate class approvals. Now companies have jumped on the cholesterol ratio band wagon and are allowing...
by Ed Hinerman | Oct 11, 2011 | estate taxes, insurance, life insurance
I know we’re American and believe that we not only ought to have our cake and eat it too, but it’s time the breadwinners of the country get a grip and allow that things don’t always go our way. I’ve talked before about what constitutes a need...
by Ed Hinerman | Oct 10, 2011 | foreign nationals, insurance, life insurance
I’ve been talking quite a bit about US life insurance for foreign nationals lately. Without fail when I start working in a new niche and put it out there on this blog, it gets misinterpreted by a few. I had a call this morning from a woman in Florida who wanted...
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