by Ed Hinerman | Feb 1, 2010 | insurance, life insurance, private pilots
As noted last week a major A+ rated life insurance company has broken into uncharted waters by offering preferred plus (best rate class) rates for private pilots that are not instrument rated. And that’s just the tip of the good news iceberg. It gets even better...
by Ed Hinerman | Jan 28, 2010 | insurance, life insurance, private pilots
So many life insurance companies have come so close, but none have ever stepped off the edge and done it. Preferred plus rates with no extra charge for private pilots who don’t have an instrument rating. ING Reliastar came out with their preferred plus and a...
by Ed Hinerman | Nov 9, 2009 | insurance, life insurance, private pilots
Airline pilots have been given a free pass by life insurance companies for a long time. The companies have assumed that if you are good enough to fly one of those big things for a real airline company, aviation won’t be an underwriting issue. New question on...
by Ed Hinerman | Jun 23, 2009 | insurance, life insurance, private pilots
Behind every good man is a good woman the saying goes. That’s certainly true in my life. Also, behind every successful impaired risk life insurance agent is a talented, well connected General Agent. Impaired risk is an industry term that covers the full spectrum...
by Ed Hinerman | Jun 5, 2009 | insurance, life insurance, private pilots, student pilot
The cost of being a private pilot can be staggering anyway you go about it. One area that you can keep the cost down in is your life insurance, if you do your homework and pick the right agent. Student pilots face their first gut check when they find out, on average,...
by Ed Hinerman | May 28, 2009 | insurance, life insurance, pilot, private pilots
While the words CEO and flying may cause a little angst among some, the truth is that CEO’s are flying privately more often and whether that is on a corporately owned aircraft, a chartered jet, or their personally owned airplane, it is generally more efficient...
by Ed Hinerman | May 7, 2009 | insurance, life insurance, private pilots
What a difference from a year ago. Private pilots have been freed up from the $5+ per gallon fuel and are once again logging hours. Underwriting for private pilots with most of the aviation life insurance friendly companies calls for a minimum number of hours annually...
by Ed Hinerman | Apr 27, 2009 | beneficiary, conversion, estate taxes, foreign travel, insurance, life insurance, mortality, mortality risk, private pilots, scuba diving, suicide clause
I did a series of posts last year on life insurance policies and have referred back to those posts on several occasions when explaining some specific clauses and options such as the suicide clause and incontestability clause and the conversion option. Now I would like...
by Ed Hinerman | Apr 16, 2009 | cancer, heart attack, private pilots, term insurance
All right guys, you can take a break. I already know how most of you feel about life insurance. If it’s free you’ll take some but if it gets into your beer or bass boat money, well, a guy has to have his priorities, right? Ladies, in general men have two...
by Ed Hinerman | Mar 31, 2009 | cancer, foreign travel, Independent agent, insurance, life insurance, private pilots, scuba diving, skydiving, smoking, student pilot
I finally got my wife to look the other way while I jumped out of an airplane for my 54th birthday. She’s always so nice about asking me what I want for my birthday, and for the past 5 years I hadgreat present. She steadfastly refused, not wanting to be a party...
by Ed Hinerman | Mar 24, 2009 | AARP, diabetes, insurance, life insurance, private pilots, Type 1 diabetes, Type 2 diabetes
The ADA continues to strike me as an incomplete advocate. Just try to find information on what it takes to get affordable life insurance if you have diabetes. Unbelievable! I called them this morning and then sent the following email in an attempt to break through to...
by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
by Ed Hinerman | Feb 25, 2009 | blood pressure, diabetes, high blood pressure, insurance, life insurance, private pilots
Most of the private pilots in the US have had some experience with the effect their hobby or avocation has on their life insurance rates. Insurance companies generally don’t look favorably on private aviation and the insurance quotes that most companies and...
by Ed Hinerman | Feb 17, 2009 | basal cell carcinoma, blood pressure, cancer, cholesterol, diabetes, DUI, insurance, life insurance, private pilots, scuba diving, skydiving, smoking
I’m often asked, after the fact, what it takes to get the best life insurance rates. While I would be hard pressed to cover everything that could be hiding in your medical records, I can provide a general rundown based on the exam, labs, family and personal...
by Ed Hinerman | Jan 15, 2009 | cancer, pilot, private pilots, stroke, student pilot, term insurance
One in six men who reach age 26 in our country will not make it to age 64. For women it is one in nine. I live in a small town in the “Heart of the Rockies”, Salida, Colorado. Around here when someone passes away, everyone knows it. When someone passes...
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