by Ed Hinerman | Mar 21, 2019 | life insurance
I was working on quotes for pilot life insurance for a client of mine a few days ago when he called and said a pilot co-worker and friend told him that AOPA, Aircraft Owners and Pilots Association, had given him quotes that were lower than what I had quoted. My client...
by Ed Hinerman | Mar 20, 2019 | impaired risk life insurance, life insurance
In reviewing my database of clients, it became obvious that a large block of my business, something around 25%, are life insurance for clients with some form of mood disorder. This is significant because it means the word really is getting out that life insurance...
by Ed Hinerman | Mar 16, 2019 | business life insurance
original post July 2015, updated March 2019 I know I am balancing on the small tip of the iceberg with the number of CEO’s and business partners I have helped with last minutes rescues for business loan collateral life insurance. Never is it more true than when...
by Ed Hinerman | Mar 13, 2019 | cancer, life insurance
Prostate cancer, and specifically the great changes in life insurance underwriting for prostate cancer, are in the news. Well, they’re on my mind and in my blog. That is just one step below the Wall St. Journal and on a good day, like today, one step above it....
by Ed Hinerman | Mar 11, 2019 | life insurance
1984 finally showed up 35 years late but just as invasive and scary as it can be. I am currently working with a business client on his life insurance application. He is applying for a very substantial policy as part of a buy/sell agreement. He weighed a bit more than...
by Ed Hinerman | Mar 9, 2019 | buy/sell life insurance, key man insurance, life insurance
original post 12/2014, updated 3/2019 Not having business life insurance on a partner can create a devastating loss for a company. But, I don’t want to trivialize the need for personal life insurance. Not having a plan in place to patch the giant hole left when...
by Ed Hinerman | Mar 6, 2019 | life insurance, no exam
Before everyone jumps on this no exam executive life insurance offer, and I get a call from every CEO who wants life insurance but doesn’t have time for an exam, let me preface the good news with this…excellent health is a must. The company making this...
by Ed Hinerman | Mar 3, 2019 | business life insurance
original post 11/2014, updated 3/2019 Wouldn’t it be great if everyone who needed business life insurance was a life insurance poster child? No health issues. No family history issues. No past drug or alcohol problems. Unfortunately those in need of business...
by Ed Hinerman | Feb 28, 2019 | life insurance
Until artificial intelligence gets to the point where we can just think life insurance in force, we’re stuck with three options. You still have to apply for life insurance so make a choice: easy, easier, or frustrating. It’s your choice but I am all for...
by Ed Hinerman | Feb 23, 2019 | business life insurance, life insurance
original post 3/2014, updated 2/2019 Why is business partnership life insurance so important? We’re going to be focusing on business applications of life insurance through several posts and how the lack of life insurance can be a disaster and how using the wrong...
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