by Ed Hinerman | Mar 6, 2012 | accidental death, Active Duty Military Life Insurance, foreign travel, High Limit AD and D, insurance, life insurance, missionaries, professional car racing
We’ve talked a lot over the years about exclusions in life insurance policies. There’s the dark side which is mostly urban legend. The cases we’ve all heard about where, a claim is denied because a person died in a car accident after suffering a...
by Ed Hinerman | Sep 15, 2011 | accidental death, estate taxes, High Limit AD and D, insurance, life insurance, private pilots
I have a client that is 76, the kind of guy that I envy at 18 years his junior. He skis the Rockies every year and is still an instrument rated private pilot, and an active business owner. The last two business life insurance policies we got him at ages 70 and 71, we...
by Ed Hinerman | Aug 31, 2011 | insurance, life insurance, over 50 life insurance, pilot, private pilots
I have a lot of clients, especially ex military, who have their auto, homeowners and sometimes life with USAA. They are a stellar company from a ratings and financial point of view, but with life insurance underwriting they are, well, conservative would be a good way...
by Ed Hinerman | Jun 2, 2011 | cholesterol, insurance, life insurance, pilot, private pilots
I get industry updates almost daily when companies believe they have a niche that is going to the the magic bullet for a client. Sometimes I wonder if anyone really thinks it through before they yell, “Hey, look at us!” I’m a big fan of United of...
by Ed Hinerman | Mar 2, 2011 | insurance, life insurance, pilot, private pilots
I was running some quotes for a client of mine a few days ago, a husband and wife private pilot team. They had inquired through AOPA, Aircraft Owners and Pilots Association, for group coverage and had run into several issues. Probably the most troublesome was that...
by Ed Hinerman | Dec 6, 2010 | death benefit, insurance, life insurance
We’ve all heard some version of the story. A widow that can’t collect on her late husband’s life insurance because of some clause or some rule or something that someone did wrong…. Exclusions are a common question and a very real concern. Some time...
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