by Ed Hinerman | Feb 25, 2012 | business life insurance, insurance, life insurance, term insurance, travel insurance
With the introduction several years ago of 30 year term insurance and no lapse guarantee universal life, which is essentially a term for life, some agents have lost sight of the fact that there are legitimate short term needs for life insurance. It wasn’t that...
by Ed Hinerman | Oct 22, 2011 | accidental death, foreign travel, insurance, life insurance, Lloyds of London, terrorism, travel insurance
Anyone who has served in the international Christian mission field and has tried to get life insurance has probably discovered that almost all life traditional insurance companies will decline missionaries. For instance an individual who is planning on serving as a...
by Ed Hinerman | May 24, 2011 | insurance, life insurance, skydiving, terrorism, travel insurance
Well, if it’s for the next five minutes you are out of luck, but if it’s for 5 minutes next week you can have your wish. And really I’m not talking about life insurance but rather accidental death insurance. Specifically this comes up when you get a...
by Ed Hinerman | May 6, 2011 | life insurance, pilot, skydiving, terrorism, travel insurance
I was working with a client who posed some interesting challenges for life insurance underwriting. Although as healthy as an underwriter could hope for, he is a skydiving instructor and also a skydiving jump plane pilot. Either of those, or both of those on a life...
by Ed Hinerman | Feb 24, 2009 | foreign travel, insurance, kidnap, life insurance, ransom, travel insurance
I can remember when life insurance was sold from vending machines in airports. “Flight” insurance I think they called it. Really put my mind at ease. While that has come and gone, some travel still carries with it a risk worth considering. With our global...
by Ed Hinerman | Jan 27, 2009 | insurance, kidnap, life insurance, ransom, travel insurance
A client of mine called the other day and asked if I could track down some kidnap insurance for his top executives. They have a very successful world wide company and their success has started to expose them to the realities of being American in places where our...
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