by Ed Hinerman | Feb 16, 2018 | business life insurance, buy/sell life insurance, CEO life insurance, HIV business life insurance, HIV life insurance, insurance, life insurance, life insurance approval
Having just placed a $9 million business life insurance key man policy, I can tell you that the welcome mat is out for those in business or for personal needs who have well controlled HIV. It’s no secret that being HIV+ has changed medically with, in many cases,...
by Ed Hinerman | Feb 12, 2018 | appropriate life insurance recommendation, budget, business life insurance, CEO life insurance, Dave Ramsey, guarantee, insurance, life insurance, life insurance approval
They aren’t hiding in plain sight! They aren’t where you would expect to find them with the super giant on line life insurance agencies like Selectquote or Reliaquote. Selectquote says on their website that, “You’re just a few steps away from...
by Ed Hinerman | Feb 3, 2018 | business life insurance, CEO life insurance, clinical underwriting, Hep C Cure, HIV business life insurance, insurance, life insurance, life insurance approval, Type 1 diabetes
To say that the nature, the underwriting and the life insurance products have changed and changed remarkably over the last 10 years is an understatement. There is the old world of life insurance and now we are really, truly living in a new world and customers, both...
by Ed Hinerman | Jan 4, 2018 | approval, business life insurance, CEO life insurance, Hep C Cure, HIV business life insurance, HIV life insurance, indexed universal life, insurance, life insurance
2017 was a fantastic year for progress in life insurance underwriting. Business boomed for those companies bold enough to acknowledge and embrace major medical breakthroughs and the life insurance agents that represented those companies could finally announce fair...
by Ed Hinerman | Oct 12, 2017 | business life insurance, buy/sell life insurance, CEO life insurance, life insurance
Has Mr Murphy of Murphy’s Law invaded your business plans that involve a need for life insurance. I’m not pessimist enough to believe that “if things can go wrong, they will” but I know what a mess it can make when you are presented with a need...
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 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 | 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 | 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...
by Ed Hinerman | Dec 6, 2016 | business life insurance, CEO life insurance, indexed universal life, insurance, life insurance
I spoke with the CEO and owner of a company yesterday who was uncomfortable with the idea being pitched by Nationwide insurance of using Indexed Universal Life Insurance as a way to insure him as a key man and amass a fortune in cash value as an executive bonus for...
by Ed Hinerman | Oct 11, 2016 | business life insurance, CEO life insurance, executives, insurance, last minute life insurance, life insurance
With personal life insurance there is very seldom a reason to panic if there is a delay or an unexpected decline that needs to be worked on to overcome. I know it happens anyway (the panic), especially when there has been a decline, but given a little time and the...
by Ed Hinerman | Aug 2, 2016 | ADHD, Anxiety, bipolar disorder, CEO life insurance, Depression, executives, insurance, life insurance, life insurance approval
Well before I was known for being someone with bipolar disorder, a reasonably stable, high functioning someone with bipolar disorder, I was the go to guy in the US, most of Canada, Mexico, Central America and the Caribbean for those in need of life insurance who...
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