by Ed Hinerman | Dec 8, 2017 | insurable interest, life insurance, second to die insurance
The perfect life insurance product for dealing with estate tax obligations has always been the second to die or survivor-ship policy. Since the obligation to pay those taxes was transferred through an exemption to the surviving spouse, while there might have been a...
by Ed Hinerman | Dec 4, 2017 | business life insurance, buy/sell life insurance, CEO life insurance, insurance, life insurance, life insurance approval
This is a step above, maybe several steps above your spouse suggesting that it is time for you to get life insurance. You should listen to your spouse because this is usually an awkward subject to bring up which means something important has triggered the request....
by Ed Hinerman | Nov 30, 2017 | insurance, lapse, life insurance, life insurance reinstatment
I’m probably not headed in the direction you might think with that title, but we need to have a talk. I have clients that have been paying their life insurance bills that were mailed to them and checks mailed back to the company for 20 years without a hitch. I...
by Ed Hinerman | Nov 15, 2017 | HIV+, life insurance
When the most recent large life insurance company joined Prudential and John Hancock in the market for fairly underwritten life insurance for those with HIV, I decided to do a test on Google to see what kind of market there was. The response was huge, but with the...
by Ed Hinerman | Oct 31, 2017 | business life insurance, buy/sell life insurance, insurance, life insurance
I suppose on superficial level that title deserves an explanation. Toilets replicate death. Not deep enough? When something disappears down a toilet you can’t get it back. In almost all cases that’s a good thing, right? But life is like what’s in...
by Ed Hinerman | Oct 25, 2017 | appropriate life insurance recommendation, bait and switch, budget, insurance, life insurance, life insurance approval
Big old double asterisk here**. In consideration of replacing your life insurance policy with a new one that has potentially better rates or more death benefit or a longer (or shorter) term length, NEVER, and I really mean never, cancel the policy you want to get rid...
by Ed Hinerman | Oct 12, 2017 | business life insurance, buy/sell life insurance, CEO life insurance, life insurance
Has Mr Murphy of Murphy’s Law invaded your business plans that involve a need for life insurance. I’m not pessimist enough to believe that “if things can go wrong, they will” but I know what a mess it can make when you are presented with a need...
by Ed Hinerman | Aug 8, 2017 | approval, CEO life insurance, compliance, Conversion to a permanent product, guaranteed level premium, HIV business life insurance, HIV life insurance, insurance, life insurance, life insurance approval
Now that’s what I’ve been talking about for years. For every effort and struggle I’ve gone through on behalf of fair life insurance treatment for HIV+ clients, you, the clients, have been the people that have suffered for so long. Unable to provide...
by Ed Hinerman | Aug 3, 2017 | approval, HIV business life insurance, HIV life insurance, insurance, life insurance, life insurance approval
What a slow, slow dance this has been trying to find a company, wait for a company, invent a company…that would take the HIV+ life insurance market seriously. At last count we have been through six big name companies that have sworn they were in the HIV+ life...
by Ed Hinerman | Jul 5, 2017 | business life insurance, HIV business life insurance, HIV life insurance, insurance, life insurance, life insurance approval, personal life insurance, Type 1 diabetes
With the king sized jacking around that life insurance companies are giving HIV+ clients and the agents that fight for them I am occasionally left wondering if the whole game is worth it. Life insurance companies seem to decline and very rarely approve these policies...
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