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 | May 6, 2014 | conversion, Conversion to a permanent product, customer service, insurance, life insurance, lifetime guaranteed UL, loyal customers, no lapse guarantee, West Coast Life
If you would have told me 10 years ago that I would be writing a blog talking about the end of one of the most important features of a term life insurance policy, the ability to convert to a permanent life insurance policy, I would have probably laughed at the idea....
by Ed Hinerman | Apr 26, 2014 | life insurance
For those of you who have read this far, please stick with me because as we’ve all been told, honesty, hard work and perseverance pay off. Well, actually in this case it doesn’t, but stick with this. It is corporate life insurance America at its’...
by Ed Hinerman | Apr 26, 2014 | decline, HIV life insurance, HIV Positive, impaired risk life insurance, insurance, life insurance, life insurance approval
I ended my last post with a review of the criteria I was given and the following concerning the application I had submitted to a major life insurance company. 1. HIV+ diagnosis was made 3 or more years prior to application. 2. Client has received Anti-retroviral...
by Ed Hinerman | Apr 26, 2014 | decline, insurance, life insurance, life insurance approval, life insurance underwriting
I have felt like my train jumped the tracks, or was intentionally derailed over these past few weeks. I was the victim of lies perpetrated by a large life insurance company and because of that, forgive me, I gave a lot of people hope that they might soon be able to...
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 9, 2014 | cancer, Dave Ramsey, decline, insurance, life insurance, melanoma
Gosh, you know it’s been a while since I’ve heard any real specific griping about why in the world Dave Ramsey would promote Zander Insurance with “Four generations and 80 years experience, unparalleled commitment to service, the best products on the...
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 24, 2014 | conversion, Conversion to a permanent product, guaranteed level premium, insurance, life insurance, Protective Life
Ah, the good old days. There used to be this group of impaired risk life insurance companies that because of innovative products and underwriting that was just years ahead of everyone, stood out and won or earned tons of business from life insurance agents whose...
by Ed Hinerman | Mar 21, 2014 | application process, approval, customer service, decline, HIV life insurance, impaired risk life insurance, insurance, life insurance, life insurance approval
While I don’t imagine that life insurance agents are any worse than the general population, my God what is happening to our country when money has become more important than doing the right thing? There is this presumptuous attitude that if money can’t be...
by Ed Hinerman | Mar 19, 2014 | Alcohol Treatment Life Insurance, CDT alcohol marker, decline, doctor's recommendation, executives, honesty, insurance, life insurance, liver functions, mortality risk
I may have just uncovered some of the mystery surrounding the dreaded life insurance lab result call the CDT, an easy way to refer to Carbohydrate Deficient Transferrin. It’s what is know in life insurance as an alcohol marker. This test, when abnormal, is...
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 | Mar 7, 2014 | Biggest Loser, BMI, build, doctor's recommendation, gastric bypass, impaired risk life insurance, insurance, life insurance, life insurance approval
As life insurance companies have turned in the direction of more conservative underwriting of build (height, weight, bmi), the last 10 years has seen them really embrace weight loss surgery for the morbidly obese. That sure wasn’t always the case with gastric...
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