by Ed Hinerman | Oct 10, 2011 | business life insurance, insurance, key man insurance, life insurance, over 50 life insurance, prostate cancer
I have, over the years, made it quite clear that there are distinct advantages to buying life insurance when you are young and healthy. It’s not that over 50 life insurance suddenly becomes horribly difficult to obtain. for most of us it is just more expensive...
by Ed Hinerman | Oct 5, 2011 | foreign nationals, insurance, International Business insurance, life insurance
With the ability I discussed yesterday to write foreign nationals through US life insurance companies, there is now an opportunity to consolidate and save money in international business partnerships that should have business buy/sell agreements. I am currently...
by Ed Hinerman | Oct 4, 2011 | foreign nationals, insurance, life insurance, prostate cancer
In a recent post I shared a bit of a life insurance home run when I was able to get a great offer on a Jamaican citizen with a prostate cancer history. I have since had meetings with one of the major life insurance carriers just to see how much latitude they will...
by Ed Hinerman | Oct 4, 2011 | American Diabetes Association, diabetes, insurance, life insurance
When I think of what I would want from the American Diabetes Association as a person with diabetes, I’m left wondering if they are anywhere near the advocacy group they claim they are. I go to their website and the first and most prevalent topic I find is how to...
by Ed Hinerman | Oct 1, 2011 | blood pressure, bypass surgery, cancer, insurance, life insurance
Allow me one more time to bemoan the good old days when US Financial Life Insurance was still roaming the earth. They doled out good news in life insurance underwriting in their short life span than any other company around. It was called clinical underwriting. Just...
by Ed Hinerman | Sep 29, 2011 | accidental death, insurance, life insurance, mortality risk, private pilots
Since we have been able to nail down some very affordable rates for accidental death and dismemberment policies for civilian workers in war zones or really anywhere in the world, things have been hopping. Whether you are going to Kabul for a week or Somalia for a year...
by Ed Hinerman | Sep 26, 2011 | insurance, life insurance, over 50 life insurance, term insurance
Here we go again with the economy and all of our investments. Just as I did a few years ago I need to dust off a bit useful suggestion and reach out again. Investment counselors are trained to say that the market is cyclical and that you shouldn’t freak out in...
by Ed Hinerman | Sep 23, 2011 | cancer, foreign nationals, insurance, life insurance, prostate cancer
I’ve talked before about Pan American Life Insurance and the fact that they will underwrite foreign nationals, mostly from Central and South America and the Caribbean. The only caveat is that they have to travel to Florida to complete the application and exam....
by Ed Hinerman | Sep 22, 2011 | arthritis, insurance, life insurance, rheumatoid arthritis
This is just a spin on a talk I have with my granddaughter at least once a week. We have become a disconnected world where people no longer see the logic in a conversation unless it is done electronically, and no longer see the need to enjoy the outdoors because they...
by Ed Hinerman | Sep 21, 2011 | conversion, insurance, life insurance, Lincoln National, over 50 life insurance, rate increase, term insurance, universal life
If you’re in your 30’s life insurance backdating is not an issue that you probably need to know about or even consider simply because, at your age, the cost of insurance doesn’t change much, if any, from year to year as you get older. Not so when...
by Ed Hinerman | Sep 20, 2011 | accidental death, AIG, Civilian War Zone Coverage, decline, hazardous activities, insurance, life insurance, private pilots
If you’ve entertained looking into high paying work in Iraq and Afghanistan, you’re not alone with the job situation here. The lure of a year or two of work to get back on financially stable ground is tempting. But “job” comes with an asterisk...
by Ed Hinerman | Sep 15, 2011 | accidental death, estate taxes, High Limit AD and D, insurance, life insurance, private pilots
I have a client that is 76, the kind of guy that I envy at 18 years his junior. He skis the Rockies every year and is still an instrument rated private pilot, and an active business owner. The last two business life insurance policies we got him at ages 70 and 71, we...
by Ed Hinerman | Sep 14, 2011 | Dave Ramsey, insurance, life insurance, smoking, term insurance
I had a call today from a couple who had stepped up to the plate a little over two years ago when they decided it was time to have a baby and they quit smoking. Now these weren’t real serious cigarette smokers, maybe smoking one in the evening or if they were...
by Ed Hinerman | Sep 8, 2011 | heart disease, Independent agent, insurance, life insurance, term insurance
Most people are familiar with the standard rate classes for life insurance. From the very best they usually go something like preferred plus, preferred, standard plus, standard. Different companies may call them something different, or only have three standard classes...
by Ed Hinerman | Sep 8, 2011 | Independent agent, insurance, life insurance, professional athlete life insurance
Often lawsuit and divorce settlements contain a stipulation for the mandatory coverage with life insurance until some final event has occurred. In the case of a lawsuit it could be until the full amount awarded is paid and with divorces it could be until a requirement...
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