by Ed Hinerman | Sep 21, 2011 | conversion, insurance, life insurance, Lincoln National, over 50 life insurance, rate increase, term insurance, universal life
If you’re in your 30’s life insurance backdating is not an issue that you probably need to know about or even consider simply because, at your age, the cost of insurance doesn’t change much, if any, from year to year as you get older. Not so when...
by Ed Hinerman | Sep 20, 2011 | accidental death, AIG, Civilian War Zone Coverage, decline, hazardous activities, insurance, life insurance, private pilots
If you’ve entertained looking into high paying work in Iraq and Afghanistan, you’re not alone with the job situation here. The lure of a year or two of work to get back on financially stable ground is tempting. But “job” comes with an asterisk...
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 | Sep 14, 2011 | Dave Ramsey, insurance, life insurance, smoking, term insurance
I had a call today from a couple who had stepped up to the plate a little over two years ago when they decided it was time to have a baby and they quit smoking. Now these weren’t real serious cigarette smokers, maybe smoking one in the evening or if they were...
by Ed Hinerman | Sep 8, 2011 | heart disease, Independent agent, insurance, life insurance, term insurance
Most people are familiar with the standard rate classes for life insurance. From the very best they usually go something like preferred plus, preferred, standard plus, standard. Different companies may call them something different, or only have three standard classes...
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 | Sep 6, 2011 | bipolar, bipolar disorder, decline, insurance, life insurance, physicians life insurance
A common theme I run into because of the large number of physician life insurance clients I have is the lack of records they have. To a ridiculous end it would be like asking your Mom to produce records for all of the medical care she gave you growing up. With...
by Ed Hinerman | Aug 31, 2011 | Anxiety, Depression, insurance, life insurance, physicians life insurance
What are there, 300 million plus a few people in the United States now? And the best guess I found is that 10’s of millions have mood disorders to one degree or another. Personally I think that may be an understatement. Tens of millions treated and untreated? 1...
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 | Aug 30, 2011 | Burial insurance, final expense life insurance, guaranteed issue life insurance, insurance, life insurance
I wrote a post some time ago less than nicely titled “Burial Insurance is Stupid”. I make myself laugh I’m so opinionated sometimes, but this article was not one of those laughable moments. I take very seriously those things that treat those seeking...
by Ed Hinerman | Aug 29, 2011 | life insurance, pilot, private pilots, student pilot
I know I’ve talked quite a bit lately about those aviation life insurance needs that are hard or expensive to insure through traditional life insurance companies. I just wanted to take a few minutes to clarify that for the majority of private pilots life...
by Ed Hinerman | Aug 25, 2011 | accidental death, High Limit AD and D, insurance, life insurance, motorcycle, pilot, private pilots, skydiving
Most of my work has been finding the best life insurance prices for people with impaired health, impaired risk life insurance. I won’t make any wild claims about being the best there is out there, but we are in a constant state of education and refining of...
by Ed Hinerman | Aug 24, 2011 | final expense life insurance, insurance, life insurance, over 50 life insurance, term insurance
For many families in the economy of the past five years the question has changed from when retirement will come to how long a person can work. Along with that change, the question of what life insurance portfolio structure is most prudent for seniors has changed...
by Ed Hinerman | Aug 18, 2011 | insurance, life insurance, term insurance, whole life
I can hear the whole life insurance guys once again musing about what kind of a nut case would recommend term life insurance during crazy economic times. Well guys, I’m back!! For those over 50 and over 60 life insurance may be the only way to salvage the...
by Ed Hinerman | Aug 17, 2011 | insurance, life insurance, professional athlete life insurance
Let’s just call it like it is. In far too many cases those who make the most are also the busiest and the most likely to put off something like a life insurance application. Entirely too much time and energy can be spent and heck, with money in the bank,...
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