by Ed Hinerman | Feb 16, 2017 | approval, clinical underwriting, hepatitis, impaired risk life insurance, insurance, life insurance
I don’t know what more life insurance companies could want than a level playing field and a chance to compete for their fair share of the business, but no joke, there are some that trip and fall on a level playing field. I just worked on a case that, while not...
by Ed Hinerman | Feb 14, 2017 | approval, CEO life insurance, impaired risk life insurance, insurance, life insurance
A life insurance policy can be a static document if 1. You buy it at an age where you’re sure the term length will outlast your needs, 2. You get the very best rate class and 3. There are no surprises in life after you take out the policy. If, for some reason,...
by Ed Hinerman | Jan 2, 2017 | business life insurance, CEO life insurance, insurance, life insurance
About five years ago I was working with the CEO of a mid size company on a succession plan for his business using life insurance. I remember this case well because of two things. First, it was unique in that the owner and CEO wanted to use this life insurance to allow...
by Ed Hinerman | Dec 8, 2016 | Conversion to a permanent product, customer service, insurance, life insurance, life insurance replacement
MetLife announced today that they are discontinuing sales early next year of all life insurance products, which leaves me wondering if it’s legal to call yourself MetLife when you aren’t really in the life insurance business anymore. So why this drastic...
by Ed Hinerman | Dec 6, 2016 | business life insurance, CEO life insurance, indexed universal life, insurance, life insurance
I spoke with the CEO and owner of a company yesterday who was uncomfortable with the idea being pitched by Nationwide insurance of using Indexed Universal Life Insurance as a way to insure him as a key man and amass a fortune in cash value as an executive bonus for...
by Ed Hinerman | Nov 21, 2016 | compliance, diabetes, insurance, life insurance, life insurance approval, Type 1 diabetes, Type 2 diabetes
I suppose with that title this post could go about any direction, but what I had in mind was life insurance as affected by type 1 and type 2 diabetes. Both types of diabetes, given optimal age of onset, current age and control as measured by your quarterly A1c...
by Ed Hinerman | Nov 16, 2016 | guarantee, guaranteed level premium, insurance, life insurance, term insurance, universal life
Following up on my post yesterday about Voya Life Insurance’s decision to do away with all of their guaranteed term and universal life products and in recognition of their self declared 2016 Most Ethical Company status, I have just a few more points that I think...
by Ed Hinerman | Nov 15, 2016 | indexed universal life, insurance, life insurance, universal life, variable universal life
In a press release today Voya Life Insurance announced that they will no longer be offering term life or any product with a life time guarantee, essentially gutting the company of the most cost effective and useful products in their portfolio. Voya, aka Reliastar, aka...
by Ed Hinerman | Nov 3, 2016 | business life insurance, executives, Foreign National Life Insurance, high net worth, insurance, life insurance
When it comes to obtaining life insurance in Latin America no company can match the financial strength, product portfolio and underwriting expertise of Pan American Life Insurance. In business for that very purpose for over 100 years Pan American continues to be the...
by Ed Hinerman | Nov 1, 2016 | breast cancer, cancer, insurance, life insurance, life insurance approval, melanoma, prostate cancer
Let me start by saying that I’ve got good news and other news when it comes to life insurance underwriting of cancers, whether something simple like early stage and grade melanoma or early stage insitu breast cancer to later stage bladder cancer or colon cancer...
by Ed Hinerman | Oct 31, 2016 | assumptions, guarantee, indexed universal life, insurance, life insurance, universal life
The Motley Fool recently added more fuel to the fire that will, a lot of us believe, leave indexed universal life insurance in the same historical pile of ashes and rubble that variable universal life and traditional universal life started. I’ve asked over and...
by Ed Hinerman | Oct 26, 2016 | budget, customer service, honesty, insurance, life insurance, life insurance approval
Well, aren’t I just full of myself. I hope I don’t come off that way, but honestly there are numerous strengths we have that you can’t just find by the luck of the draw. There are 200,000 plus life insurance agents out there and without flinching I...
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 | Oct 26, 2016 | blood pressure, build, cholesterol, diabetes, family history, insurance, life insurance, over 50 life insurance, over 60 life insurance, Type 2 diabetes
Ah, the joys of being somewhere post mid life and nearly as old as dirt. It seems that we get focused on the negatives like the aches and pains and trying to figure out if retirement is a gift or a joke, and we don’t take time to grab on to the big advantages...
by Ed Hinerman | Oct 26, 2016 | blood pressure, cholesterol, family history, HDL, insurance, life insurance
We’ve all heard the the more things change, the more they stay the same (something like that) and there are plenty of areas in life where change grinds so slowly that, well, we might all be using our life insurance before we actually see it really, really...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
Recent Comments