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 | 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 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 | 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,...
by Ed Hinerman | Jun 2, 2011 | cholesterol, insurance, life insurance, pilot, private pilots
I get industry updates almost daily when companies believe they have a niche that is going to the the magic bullet for a client. Sometimes I wonder if anyone really thinks it through before they yell, “Hey, look at us!” I’m a big fan of United of...
by Ed Hinerman | May 13, 2011 | insurance, life insurance, pilot, private pilots
So, a guy decides to learn how to fly. He wants to be a private pilot in the worst way. He signs up for lessons and after all the classroom curriculum is satisfied he and his flight instructor are finally ready to take off for the first flight. Other than the fact...
by Ed Hinerman | May 4, 2011 | Dave Ramsey, life insurance, private pilots, term insurance
Dave Ramsey still swears that Zander Insurance is the place to get the best deal on term life insurance. “Use Zander’s online quoting system to search for the most competitive term life insurance plans available”, Dave says. I have a lot of respect...
by Ed Hinerman | Apr 27, 2011 | insurance quotes, life insurance, pilot, private pilots
I’ve never been a fan of Selectquote. Having worked (a long time ago) in a similar on line agency I know for a fact that with quantity (they claim to do 100,000 applications a year) quality suffers serious damage. The agents, if you can really call them that,...
by Ed Hinerman | Mar 2, 2011 | insurance, life insurance, pilot, private pilots
I was running some quotes for a client of mine a few days ago, a husband and wife private pilot team. They had inquired through AOPA, Aircraft Owners and Pilots Association, for group coverage and had run into several issues. Probably the most troublesome was that...
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