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, life insurance approval, no exam
Before everyone jumps on this no exam life insurance offer, and I get a call from everyone 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 offer also...
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...
by Ed Hinerman | Dec 5, 2018 | business life insurance, Cannabis business life insurance, CEO life insurance, insurance, key man insurance, life insurance
For the next few weeks I am going to pick apart and try to make sense of business life insurance in all of its’ different forms. Just like personal life insurance, business life insurance is meant to take the burden off of a company in the same way that personal...
by Ed Hinerman | Nov 6, 2018 | atrial fibrillation, business life insurance, CEO life insurance, insurance, life insurance, life insurance approval
So, BNP (natriuretic peptide). What the heck is it? In layman’s terms (so I can understand it), BNP is a protein release by the heart that could indicate congestive heart failure. But listen up all of you life insurance underwriters……It could mean a...
by Ed Hinerman | Nov 5, 2018 | insurance, life insurance, life insurance approval, medical records life insurance, Sleep apnea
If the Wall St Journal was doing an article on life insurance applications and how underwriters interpret your medical records they would have their hands full. Without exaggerating most medical records contain errors and ambiguous notes. To be fair to the...
by Ed Hinerman | Nov 5, 2018 | life insurance, life insurance approval
Less than 1% of life insurance companies truly underwrite an application for someone with serious health conditions and take more than just that condition into account. There are rumors or urban myths that if you have a serious health condition, whether that is...
by Ed Hinerman | Oct 13, 2018 | business life insurance, Cannabis business life insurance, CEO life insurance, insurance, life insurance, life insurance approval
It’s what we’re all looking for when we finally get around to the task of acquiring life insurance, a great deal. For each of us that can be defined differently. For many of my clients just finding a company that will approve a life insurance policy is a...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
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