by Ed Hinerman | Apr 6, 2017 | CEO life insurance, life insurance, Marijuana business life insurance
Is marijuana business life insurance available? The Challenges! As with all things, when laws change the insurance industry is often slow to jump on board and recognize that legality. With business life insurance policies like key man and buy/sell life insurance this...
by Ed Hinerman | Mar 20, 2017 | business life insurance, CEO life insurance, insurance, insurance quotes, life insurance, life insurance approval
How’s this for shock value? Life insurance agents get into the business to make money and there are times when how much money they are going to make may, just may, skew their recommendation on what product you should buy. No really! That can happen one of two...
by Ed Hinerman | Mar 15, 2017 | gastric bypass, insurance, life insurance, life insurance approval
It’s been quite a while since I’ve updated Life insurance underwriting guidelines and prices for those who have had a gastric bypass surgery. I shopped the question over the last week so have up to date looks from a large number of life insurance companies...
by Ed Hinerman | Mar 12, 2017 | indexed universal life, life insurance, life insurance non taxable, lifetime guaranteed UL, over 50 life insurance, retirement life insurance, universal life
I don’t think there is a topic I have ranted and raved about more than the universal life insurance products with non guaranteed cash value features that are collapsing left and right due to the low interest environment imposed by the Fed over the last 15 years....
by Ed Hinerman | Feb 28, 2017 | business life insurance, Civilian War Zone Coverage, life insurance
With our planet shrinking rapidly from a business standpoint it’s left many around the world scrambling for what to do about life insurance. Business life insurance can be fairly simple when all the parties live in the United States, but when partnerships cross...
by Ed Hinerman | Feb 27, 2017 | life insurance, life settlements
There is a new look for life insurance settlements. It used to be urban legend, and may still be, that just about any life insurance policy was worth 20% of its’ face value, or death benefit, in the life settlement market. However, if you have outgrown the need...
by Ed Hinerman | Feb 20, 2017 | approval, Hep C Cure, hepatitis, insurance, life insurance, life insurance approval
Before all of you who have been cured by Harvoni jump on the phone expecting the life insurance results in the title of this blog post, let me throw a couple of * * up. Wait a minute. That looks like I said something bad. Let’s talk caveats to that best class...
by Ed Hinerman | Feb 16, 2017 | approval, clinical underwriting, hepatitis, impaired risk life insurance, insurance, life insurance
I don’t know what more life insurance companies could want than a level playing field and a chance to compete for their fair share of the business, but no joke, there are some that trip and fall on a level playing field. I just worked on a case that, while not...
by Ed Hinerman | Feb 14, 2017 | approval, CEO life insurance, impaired risk life insurance, insurance, life insurance
A life insurance policy can be a static document if 1. You buy it at an age where you’re sure the term length will outlast your needs, 2. You get the very best rate class and 3. There are no surprises in life after you take out the policy. If, for some reason,...
by Ed Hinerman | Jan 2, 2017 | business life insurance, CEO life insurance, insurance, life insurance
About five years ago I was working with the CEO of a mid size company on a succession plan for his business using life insurance. I remember this case well because of two things. First, it was unique in that the owner and CEO wanted to use this life insurance to allow...
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