by Ed Hinerman | May 20, 2015 | application process, approval, arrythmia, atrial fibrillation, business life insurance, CEO life insurance, decline, doctor's recommendation, heart attack, impaired risk life insurance, insurance, life insurance, life insurance approval, life insurance underwriting
I ran into a client over a year ago who presented me with one of those life insurance scenarios that brings out the gag reflex in even the best of underwriters, one of “those issues” that has been an automatic decline since life insurance was invented, an...
by Ed Hinerman | Mar 18, 2015 | application process, approval, business life insurance, cancer, conversion, coronary artery disease (CAD), decline, exclusions, guaranteed level premium, insurance, life insurance, life insurance approval
A client I’m working with is getting a little frustrated because, in order to keep his obligations, he is going to have to convert a current term policy coming to the end of its’ guaranteed level premium period. When I say he is going to have to do this...
by Ed Hinerman | May 1, 2012 | business life insurance, court ordered life insurance, DUI, insurance, International Business insurance, life insurance
If life and life insurance was all simple there wouldn’t be any bumps in the road. We would all have the coverage we need when we need it and Dorothy would be singing Somewhere Over The Rainbow in the background. Truth is that most of the time with life...
by Ed Hinerman | Apr 2, 2012 | accidental death, civilian contractors, Civilian War Zone Coverage, commercial fisherman life insurance, dangerous occupation life insurance, insurance, life insurance, Lloyds of London
It occurred to me as I was writing insurance on a civilian contractor working at a forward operating base in Afghanistan a few weeks ago that, that there must be others just like them. There must be other groups of people who could benefit from affordable dangerous...
by Ed Hinerman | Jan 9, 2012 | accidental death, civilian contractors, Civilian War Zone Coverage, disability income, foreign travel, insurance, life insurance, Lloyds of London
I am working with a group of men on their war zone coverage, who have been waiting for three months now to start a series of one month trips to Iraq and Afghanistan to do finish work on some newly constructed airport facilities. As is becoming more common in Iraq...
by Ed Hinerman | Dec 27, 2011 | insurance, life insurance, prostate cancer, PSA
Prostate cancer, we’ve all heard at one time or another, is something that virtually every man will have at some point in his life. While only one in five or so of us guys will ever be diagnosed with prostate cancer, the other four, according to theory and...
by Ed Hinerman | Dec 26, 2011 | court ordered life insurance, insurance, life insurance
For those paying child support or alimony, the court may have also ordered that you carry life insurance for a specified period of time to make sure the commitment is met even if you’re not around to meet it. Most of the calls I get concerning purchasing court...
by Ed Hinerman | Nov 30, 2011 | accidental death, civilian contractors, Civilian War Zone Coverage, insurance, life insurance
Is accidental death insurance worth it? Your average run of the mill accidental death policy, or for that matter an accidental death rider on a life insurance policy is, well, not a very good value. The reason those policies are dirt cheap is that the mortality risk...
by Ed Hinerman | Nov 9, 2011 | accidental death, business life insurance, insurance, life insurance, Lloyds of London
In business we don’t always have the luxury of waiting to buy business life insurance when it’s a better value or more convenient. When the bank says now… When the court judge says now… When a large financial agreement is waiting for life...
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 | Oct 28, 2011 | accidental death, business life insurance, buy/sell life insurance, insurance, International Business insurance, key man insurance, life insurance, Lloyds of London
I remember when a one world economy was the stuff that movies and books were made of. Conspiracy theories were rampant about a global economy kind of being the beginning of the end. So, the reality is that we are there. That is us. There are certainly plenty of home...
by Ed Hinerman | Oct 23, 2011 | disability, disability income, executives, hazardous activities, income replacement, professional athletes
Let’s step away from life insurance for a day and address an inherent problem in disability income insurance. Disability income insurance is there to theoretically replace earned income in the event that a person is disabled by injury or illness. Companies...
by Ed Hinerman | Oct 22, 2011 | accidental death, foreign travel, insurance, life insurance, Lloyds of London, terrorism, travel insurance
Anyone who has served in the international Christian mission field and has tried to get life insurance has probably discovered that almost all life traditional insurance companies will decline missionaries. For instance an individual who is planning on serving as a...
by Ed Hinerman | Oct 22, 2011 | cancer, executives, insurance, life insurance, Lloyds of London, professional athletes
Let me start by saying that I am no expert on what Lloyds can do or even how they pull it all off, but I now have the connections to take a Lloyds insurance situation and get it in place in a timely manner. What I’ve found is that, as much as I would like to...
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
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