by Ed Hinerman | Feb 26, 2023 | insurance, life insurance, pilot, private pilots, student pilot
Wouldn’t that be nice? Kind of like the Progressive commercials where every kind of insurance is in a separate box. “Here’s your perfect private pilot life insurance. Will that be all today?” Does Your Life Insurance Agent Really Understand...
by Ed Hinerman | Jan 7, 2023 | life insurance, pilot
What Do The People You Love Want Their Future to Look Like? I met a young man the other day. He’s 16 and is pursuing a dream with a focus I’ve rarely seen in someone that age. He’s six months in to getting his private pilot license through classes at...
by Ed Hinerman | Aug 3, 2020 | insurance, life insurance, pilot, private pilots
AOPA Bails On Competitive?? Life Insurance For Pilots Aircraft Owners and Pilots Assocation, AOPA, has offered group life insurance for pilots for a long time. I know they have for at least the last 20 years since I’ve been competing with them for life insurance...
by Ed Hinerman | Jun 23, 2014 | CEO life insurance, hazardous activities, Independent agent, insurance, life insurance, life insurance approval, life insurance underwriting, pilot, private pilots, student pilot
With the economy doing a little better private pilots, aviation instructors and commercial pilots are checking their life insurance and getting back off the ground. When a gallon of fuel was worth almost as much as the aircraft especially the private pilots and...
by Ed Hinerman | Jun 28, 2013 | insurance, life insurance, life insurance approval, pilot, private pilots
With nearly a quarter of my clients being commercial and private pilots I thought I had worked my way through all of the obvious mistakes in pilot life insurance underwriting, but I missed one this week. In the end no harm, no foul as I can move it to another company...
by Ed Hinerman | Jul 31, 2012 | impaired risk life insurance, Independent agent, insurance, life insurance, pilot, private pilots, professional car racing
I’ve been working some particularly tough impaired risk life insurance cases lately and it really drove it home to me that if a person with higher risk life insurance impairment is using an agent who only represents one or two or three companies, they have...
by Ed Hinerman | Mar 31, 2012 | death benefit, insurance, life insurance, life insurance claim, pilot, private pilots
I had an interesting email question yesterday concerning whether or not there is a time limit on filing a claim for life insurance. There are plenty of stories out there about old stock being found and old life insurance policies turning up. In this case the son who...
by Ed Hinerman | Feb 13, 2012 | accidental death, insurance, life insurance, pilot, private pilots, student pilot
There are plenty of people who took up flying as a hobby. What a great thing to be able to fly up to Wyoming and visit my mom or just fly around this beautiful country and, even better, the beautiful state of Colorado I live in. But for a lot of us that took a big hit...
by Ed Hinerman | Dec 14, 2011 | insurance, life insurance, melanoma, pilot, private pilots, Type 1 diabetes
What a crazy year for underwriting life insurance. There have been shifts all over the map from type 1 diabetes to melanoma history, with some of the best news coming for private pilots. It’s been quite a while since we’ve had as many solid players in the...
by Ed Hinerman | Nov 15, 2011 | business life insurance, Independent agent, insurance, life insurance, over 50 life insurance, pilot, private pilots
There was a long time before my website and blog took off where I was, like most other independent life insurance agents out there, stuck trying to get the most bang for my buck out of purchased life insurance leads. Ten years ago I could spend $20-$25 per lead for...
by Ed Hinerman | Nov 5, 2011 | Infinite banking, insurance, life insurance, pilot, private pilots
Although I am new to infinite banking, the use of participating whole life insurance as a financial tool, the fact that it is funded by life insurance means that the agent can make all the difference in whether the concept works to its’ maximum. A huge part of...
by Ed Hinerman | Aug 31, 2011 | insurance, life insurance, over 50 life insurance, pilot, private pilots
I have a lot of clients, especially ex military, who have their auto, homeowners and sometimes life with USAA. They are a stellar company from a ratings and financial point of view, but with life insurance underwriting they are, well, conservative would be a good way...
by Ed Hinerman | Aug 29, 2011 | life insurance, pilot, private pilots, student pilot
I know I’ve talked quite a bit lately about those aviation life insurance needs that are hard or expensive to insure through traditional life insurance companies. I just wanted to take a few minutes to clarify that for the majority of private pilots life...
by Ed Hinerman | Aug 25, 2011 | accidental death, High Limit AD and D, insurance, life insurance, motorcycle, pilot, private pilots, skydiving
Most of my work has been finding the best life insurance prices for people with impaired health, impaired risk life insurance. I won’t make any wild claims about being the best there is out there, but we are in a constant state of education and refining of...
by Ed Hinerman | Jun 27, 2011 | accidental death, contestability, death benefit, hazardous activities, insurance, life insurance, pilot, private pilots, scuba diving, skydiving
Let’s start with the good news. If you have life insurance in force and you took up your hazardous activity after putting that life insurance policy in force, and didn’t apply for the insurance because you were anticipating taking up the dangerous hobby,...
Recent Comments