by Ed Hinerman | May 24, 2017 | cash value, indexed universal life, insurance, life insurance
Although indexed universal life insurance sales seem to be losing some momentum, the fact that they are still the highest sold life insurance product on the market today is a testament to both the greed of Americans and, more importantly, the disingenuous direction...
by Ed Hinerman | May 19, 2017 | business life insurance, impaired risk life insurance, insurance, life insurance, over 60 life insurance
The old saying “you get what your pay for” insinuates that often going the less expensive direction in a purchase can leave you, well, feeling like maybe the choice wasn’t an apples for apples choice. You’re left wishing you had spent a little...
by Ed Hinerman | May 16, 2017 | application process, business life insurance, buy/sell life insurance, Cannabis business life insurance, CEO life insurance, HIV business life insurance, insurance, life insurance, life insurance approval
We’ve discussed at length (some would say ad nauseum) in this forum about the critical need for business life insurance for the key people in your company. The CEO having key person life insurance is going to be demanded by lenders as your business grows and...
by Ed Hinerman | May 16, 2017 | impaired risk life insurance, insurance, life insurance, life insurance approval
It’s an interesting conundrum that the same thing could contribute so much to my success, and my failure, depending on how patient any given potential client is. I don’t deny that I can be, not demanding, but insistent on my clients being involved in our...
by Ed Hinerman | May 1, 2017 | conversion, Conversion to a permanent product, insurance, life insurance
I have been known to be something of a zealot when it comes to my opinions on life insurance companies that treat their loyal customers poorly, but I am also a zealot when it comes to great BBQ. I think it gives me credibility that I’m not grumpy about...
by Ed Hinerman | Apr 25, 2017 | business life insurance, CEO life insurance, insurance, insurance quotes, life insurance, life insurance approval
I talk often and loudly about how many people, through no fault of their own, end up paying too much for life insurance. That’s the first crime usually inflicted by using the wrong agent who used the wrong company. The second crime is when you, the life...
by Ed Hinerman | Apr 24, 2017 | bipolar disorder, business life insurance, buy/sell life insurance, insurance, life insurance, life insurance approval
I’ve talked to and helped enough people over the last 16 years, PTIE, post traumatic insurance experience, to know that when people say they were treated unfairly when applying for life insurance they usually really were. The majority of unfair life insurance...
by Ed Hinerman | Apr 22, 2017 | business life insurance, Cannabis business life insurance, CEO life insurance, insurance, life insurance, life insurance approval, Marijuana business life insurance
Every new or growing business in need of capital to move things along has to choose a source, a bank, an investor or a partner and in all three of those scenarios any substantial investment in your new enterprise is going to require business life insurance as...
by Ed Hinerman | Apr 6, 2017 | business life insurance, buy/sell life insurance, Cannabis business life insurance, insurance, life insurance, Marijuana business life insurance
And DC. Up until now all 50 states and DC had legal, profitable tax paying, big employment businesses that, unlike all of their legal, profitable, tax paying, employing counterparts, couldn’t buy business life insurance. Even when the legalization of Cannabis...
by Ed Hinerman | Apr 6, 2017 | business life insurance, Cannabis business life insurance, CEO life insurance, Civilian War Zone Coverage, executives, insurance, life insurance, life insurance approval, Marijuana business life insurance
For all of those investors and entrepreneurs who saw the legalization of medical and recreational marijuana coming and took advantage of it, good job. All of us in business, if we weren’t, wish we could have been on the first elevator up to an opportunity that...
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