by Ed Hinerman | Oct 27, 2014 | business life insurance, buy/sell life insurance, CEO life insurance, executives, impaired risk life insurance, insurable interest, insurance, International Business insurance, key man insurance, life insurance
I get that business people get tired of hearing about all of the kinds of insurance they should be carrying because I am one. I carry more than what’s required by law in errors and omissions insurance just because of the litigious nature of our country. I err on...
by Ed Hinerman | Aug 12, 2014 | Anxiety, CEO life insurance, Depression, insurance, life insurance, life insurance approval, Sleep apnea
People living with sleep apnea are at risk of dying and that seems to be what troubles the majority of life insurance companies and life insurance underwriters. The same could be said for people living with anxiety or mild depression. In this time we’re living...
by Ed Hinerman | Jun 10, 2014 | business life insurance, buy/sell life insurance, CEO life insurance, customer service, executives, impaired risk life insurance, insurance, key man insurance, life insurance, life insurance approval
The obvious answer is of course I would buy the battleship if he had one just because I would be the only person in Silver City, NM to own a battle ship. There’s even a big enough lake a few hours from here to float it in although I’m not sure you could...
by Ed Hinerman | May 31, 2014 | approval, business life insurance, buy/sell life insurance, CEO life insurance, executives, guaranteed level premium, impaired risk life insurance, insurance, International Business insurance, key man insurance, life insurance, life insurance approval, over 50 life insurance
For me there was really nothing to come to grips with. I’ve seen the new 60 become 65 and the new 65 become 70 and I’ve seen the government tweak social security so that the longer you don’t take it the more money you are paid (per month), or put...
by Ed Hinerman | May 13, 2014 | business life insurance, CEO life insurance, customer service, executives, high net worth, insurance quotes, key man insurance, life insurance
No, that’s not a typo. When it comes to business life insurance and insurance for people with high net worth, spending up to hundreds of thousands a year on life insurance is really not that uncommon. And anytime you are buying life insurance what you spend is...
by Ed Hinerman | Apr 18, 2014 | business life insurance, buy/sell life insurance, CEO life insurance, executives, impaired risk life insurance, Independent agent, insurance, International Business insurance, key man insurance, life insurance, over 50 life insurance
I found out yesterday that business life insurance isn’t always for what I would call work related purposes. I got a call from the founder, CEO and chief laborer of a company that films shark fishing. Interesting case because literally what the key man life...
by Ed Hinerman | Apr 10, 2014 | business life insurance, CEO life insurance, foreign travel, impaired risk life insurance, insurance, life insurance, life insurance approval
Ok, so I’m kind of on a rip about business life insurance and business executives lately, but what I’m finding is that there seem to be a lot of CEO’s and other executives that are paying way too much for their business life insurance or have been...
by Ed Hinerman | Apr 4, 2014 | business life insurance, CEO life insurance, estate taxes, executives, guarantee, impaired risk life insurance, insurance, life insurance
When the dot.com industry hit the world we suddenly had CEO’s and Presidents of companies who were young, healthy and like the rest of us at that age, immortal. With immortality comes a seemingly valid reason for a CEO to not buy life insurance, or even...
by Ed Hinerman | Mar 13, 2014 | application process, approval, business life insurance, cash value, CEO life insurance, disability income, DUI, executives, High Limit AD and D, key man insurance, life insurance, life insurance approval, over 50 life insurance
The CEO or President of a company, other than having more responsibility than most, is just like everyone else in this great country of ours. When it comes to life insurance they are subject to the same unscrupulous or poorly equipped life insurance agents and...
by Ed Hinerman | Sep 30, 2013 | application process, approval, business life insurance, CEO life insurance, insurance, life insurance, over 50 life insurance, stroke, uninsurable
We are a product of our parents and grandparents and I know my Dad was one of those guys who’s goal was to always get it right the first time. Having grown up in that shadow I know that one of my pet peeves is having to do something twice. I like to get it right...
by Ed Hinerman | Aug 21, 2013 | Anxiety, approval, assumptions, bipolar disorder, CEO life insurance, Depression, insurance, life insurance, life insurance approval, life insurance claim
While I believe it would be characterized as mild, there seems to be quite a bit of evidence pointing to the fact that most life insurance companies have gone through a manic period of underwriting mood disorders. For the past several years depression, anxiety and...
by Ed Hinerman | Dec 13, 2012 | business life insurance, buy/sell life insurance, CEO life insurance, death benefit, executives, insurance, life insurance
Any of us who have financial responsibilities should have life insurance to cover the need. I carry life insurance that would pay off rental property and our home if I died, leaving my wife with an income stream and no debt. I carry some more that would replace the...
by Ed Hinerman | Oct 10, 2012 | customer service, decline, executives, financial adviser, insurance, insurance quotes, life insurance, life insurance approval, term insurance
The CEO of a Denver based company contacted me today. He was shopping for life insurance and because he was a private pilot with almost no current flight time, as in none for 4 years, he was getting quotes that were through the roof. When you need millions in life...
by Ed Hinerman | Sep 29, 2012 | Alcohol Treatment Life Insurance, Anxiety, application process, approval, insurance, life insurance, life insurance approval
Drop the word insurance out of there and reality is that with success in life comes challenges that even the most on the ball folks aren’t ready for. How a person deals with those challenges can affect how they are perceived when they apply for life insurance....
by Ed Hinerman | Feb 23, 2012 | bipolar, bipolar disorder, Depression, insurance, life insurance
The way 99.9% of life insurance companies treat people with bipolar disorder drives me nuts. I’m not talking about an insurance company that fully underwrites an application and finds out something really sketchy in a person’s history. What slays me is...
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