by Ed Hinerman | Feb 9, 2016 | application process, business life insurance, decline, insurance, life insurance, life insurance exam
I have run into a dearth (something just short of infinity) of people over the last 18 years in life insurance who have decided that getting proper coverage for their business or family is just going to be too much work, or the game will be rigged so that no matter...
by Ed Hinerman | Jan 29, 2016 | application process, approval, bipolar disorder, business life insurance, CEO life insurance, decline, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
Ah, the sting of being declined or being rated practically to death when you apply for life insurance. Do they really think you are on death’s door or do they just dislike you personally? Perhaps that life insurance company has a quota that limits the amount of...
by Ed Hinerman | Jan 27, 2016 | beneficiary, business life insurance, death benefit, life insurance, life insurance non taxable
I always get so excited when, let’s say for Labor Day, the hardware store has a tax free weekend. Dang! That’s the equivalent where I live of getting 7% off of that new hose and sprinkler. Seriously now, on any other day you can walk up to the checkout...
by Ed Hinerman | Jan 26, 2016 | ADHD, Anxiety, approval, bipolar disorder, breast cancer, business life insurance, CEO life insurance, compliance, decline, Depression, insurance, life insurance, life insurance approval, physicians life insurance
Now there’s a calming thought. You’re still alive, traumatized from head to toe from a car to moose gathering on the highways of Maine and you’ve made it to the hospital. The doctor and nurse start working and you relax as you know that you are with...
by Ed Hinerman | Jan 20, 2016 | business life insurance, buy/sell life insurance, CEO life insurance, income replacement, insurable interest, insurance, key man insurance, life insurance
There’s nothing quite like that feeling when life reaches a plateau where your job or your business are fun and making money. You’ve got it made or at least got it by the tail and now you can just work hard and put it on cruise control, right? I will be...
by Ed Hinerman | Jan 18, 2016 | application process, business life insurance, buy/sell life insurance, CEO life insurance, customer service, executives, insurance, International Business insurance, key man insurance, life insurance, loyal customers, partnership business life insurance
Who, if they left your company or died without adequate life insurance, would derail your company? Maybe it wouldn’t put you out of business but for at least a while you would experience chaos at a business level. It could be that the reputation of the CEO, with...
by Ed Hinerman | Jan 13, 2016 | AIG, application process, customer service, Independent agent, insurance, life insurance, life insurance approval, life insurance underwriting
Oh I wish! While there are still some bastions of sanity in the life insurance industry it seems like they have become few and remote. While I like my vacation islands in that category I can tell you that few and remote is not the way client friendly, good customer...
by Ed Hinerman | Jan 7, 2016 | insurable interest, insurance, life insurance
I just got a call from a fund raising organization for policemen here in Colorado asking for a donation to a fund to assist widows of police killed in the line of duty. Know that I have always had a great deal of respect and admiration for police and fire personnel....
by Ed Hinerman | Jan 4, 2016 | budget, Dave Ramsey, death benefit, financial adviser, guarantee, honesty, insurable interest, insurance, life insurance
DOW tumbles another 350 points! So, everyone who reads this forum assumes it’s going to be another bit of wisdom…..or a dash of the world according to Ed, about life insurance. And it is, but what’s the connection between a loser year for stocks and...
by Ed Hinerman | Dec 22, 2015 | application process, approval, bipolar disorder, cholesterol, family history, height and weight, insurance, lab results, life insurance
I decided to dust off my keyboard today and talk just a little bit about why this blog and my opinions on life insurance underwriting have hit home, struck deep, rang the bell and put life insurance back on the table for so many who are able to translate and follow my...
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