by Ed Hinerman | Feb 26, 2023 | insurance, life insurance, pilot, private pilots, student pilot
Wouldn’t that be nice? Kind of like the Progressive commercials where every kind of insurance is in a separate box. “Here’s your perfect private pilot life insurance. Will that be all today?” Does Your Life Insurance Agent Really Understand...
by Ed Hinerman | Jan 27, 2015 | Anxiety, Depression, impaired risk life insurance, life insurance, life insurance approval
It’s one of those days when a bit of clarification might just go a long ways. I have a couple of clients I am currently working on personal life insurance policies who have mood disorders and came to me looking for the best possible rate in their situation....
by Ed Hinerman | Jun 6, 2013 | approval, death benefit, decline, guaranteed issue life insurance, insurance, life insurance, life insurance approval
Unlike Obamacare’s fines, er, taxes, er penalties, there is no penalty for not having life insurance while you’re alive and if you believe that once the lights go out you’re done, there’s no reason to worry about after your death. The risk...
by Ed Hinerman | May 4, 2013 | assumptions, cash value, death benefit, guarantee, guaranteed level premium, illustration, indexed universal life, insurance, life insurance, long term guarantee, no lapse guarantee, universal life
Two and a half years ago, when indexed universal life insurance seemed to be taking over the insurance landscape, I spent considerable time studying the products and then posted my thoughts in this forum. In particular I took great exception to the fact that agents...
by Ed Hinerman | Apr 18, 2012 | cancer, insurance, life insurance, prostate cancer
In some cases life insurance underwriting just hangs out and doesn’t change much over the years. That has been fairly true of prostate cancer life insurance since I wrote my first post on the subject back in 2007, until the last few months. What follows is an...
by Ed Hinerman | Feb 6, 2012 | accidental death, business life insurance, buy/sell life insurance, civilian contractors, Civilian War Zone Coverage, disability income, insurance, life insurance, Lloyds of London, professional athletes
I have clients all over the Middle East doing everything from engineering to Afghan translation to security services. I have been working with a company out of Argentina that has oil field crews working revolving shifts in Iraq and it looks like we will have the...
by Ed Hinerman | Nov 9, 2011 | business life insurance, hazardous activities, income replacement, Infinite banking, insurance, life insurance
Remember the “dress for success” thing that started back in the 70’s? I think it was probably a reaction to the way most people my age decided to dress in the 60’s. It never really worked for me. Every time I dressed for success, even if I got...
by Ed Hinerman | Nov 7, 2011 | business life insurance, buy/sell life insurance, foreign nationals, insurance, key man insurance, life insurance
Without proper business life insurance in force the family of a deceased partner in a business could stand to lose the portion of the business that their loved worked long and hard to create, and to leave as a legacy. A succession plan for a business, whether a...
by Ed Hinerman | Sep 8, 2011 | Independent agent, insurance, life insurance, professional athlete life insurance
Often lawsuit and divorce settlements contain a stipulation for the mandatory coverage with life insurance until some final event has occurred. In the case of a lawsuit it could be until the full amount awarded is paid and with divorces it could be until a requirement...
by Ed Hinerman | Oct 23, 2010 | insurance, life insurance, Sleep apnea
It wasn’t all that long ago that life insurance underwriters would automatically table rate any sleep apnea, obviously having a problem wrapping their minds around the fact that the client would quit breathing several, if not a lot of times every night. The real...
by Ed Hinerman | Oct 10, 2007 | breast cancer, cancer, heart disease, insurance, life insurance
To some oncologists it appears to be a case of “the cure is worse than the disease”. There may be a link to one type of chemotherapy and the increased risk of heart disease in women who have already won one battle. Drugs call anthracyclines are a breast...
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