by Ed Hinerman | Apr 14, 2021 | business life insurance, life insurance, Loan collateral life insurance
It’s Not Even In The Fine Print! There actually isn’t any fine print in the SBA loan requirements, so rest easy. I mean really rest easy, as in sitting in your favorite chair and settling in to read the 388 page guide to securing your SBA loan. I...
by Ed Hinerman | Jul 13, 2020 | business life insurance, life insurance, life insurance approval
I wrote this in 2017 and, well the world has changed. Time for an update! Do You Love To Talk About Life Insurance? Aw, c’mon! Admit that you hide copies of Insurance News Net magazine in your closet. Do you secretly run quotes online for insane amounts of life...
by Ed Hinerman | Mar 23, 2019 | business life insurance
originally posted 2/17, updated 3/19 The best advice is to put business life insurance in place once you start business. But we all, both in our personal lives and businesses, wish we had the luxury of plenty of time to get done what we need to get done. I know in my...
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 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 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 | 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...
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 | Dec 4, 2017 | business life insurance, buy/sell life insurance, CEO life insurance, insurance, life insurance, life insurance approval
This is a step above, maybe several steps above your spouse suggesting that it is time for you to get life insurance. You should listen to your spouse because this is usually an awkward subject to bring up which means something important has triggered the request....
by Ed Hinerman | Oct 31, 2017 | business life insurance, buy/sell life insurance, insurance, life insurance
I suppose on superficial level that title deserves an explanation. Toilets replicate death. Not deep enough? When something disappears down a toilet you can’t get it back. In almost all cases that’s a good thing, right? But life is like what’s in...
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 | May 19, 2017 | business life insurance, impaired risk life insurance, insurance, life insurance, over 60 life insurance
The old saying “you get what your pay for” insinuates that often going the less expensive direction in a purchase can leave you, well, feeling like maybe the choice wasn’t an apples for apples choice. You’re left wishing you had spent a little...
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