by Ed Hinerman | May 24, 2008 | Independent agent, insurance, life insurance, private pilots
Whether you fly for the big boys like Net Jets and Executive Jet Management, or some smaller group, there has been a move in the life insurance industry to charge you more than other ATP rated pilots. I won’t be long winded about this. If you have had that...
by Ed Hinerman | Apr 2, 2008 | DUI, insurance, life insurance, private pilots
If you want to get a life insurance underwriter’s attention, talk about your history of alcohol or drug abuse. Tell them about your DUI or history of DUI’s. A good independent agent is going to ask about any history of alcohol abuse, treatment for alcohol or drug...
by Ed Hinerman | Mar 13, 2008 | bipolar disorder, cancer, Depression, diabetes, heart attack, Independent agent, insurance, life insurance, private pilots
I’ve often discussed the fact that out of the nearly 2000 companies that purport to be in the life insurance business, there are only a handful, maybe 2% that are serious about working to get you the best deal. When you throw in health issues of any consequence...
by Ed Hinerman | Dec 28, 2007 | insurance, life insurance, private pilots
Private aviation, especially with the rising cost of fuel, has been hit hard in one of the areas that life insurance underwriters look at closely, proficiency. In this case proficiency really comes down to flying enough hours that each new flight isn’t liking...
by Ed Hinerman | Dec 26, 2007 | children's life insurance, Independent agent, insurance, life insurance, private pilots
There are nearly 2000 companies in the US that purport to be life insurance companies. When you work your way through all of the “sort of’s” and “wanna be’s”, and get down to those companies that are serious about the products they...
by Ed Hinerman | Dec 21, 2007 | insurance, life insurance, private pilots
I follow Adam Aircraft with particular interest because their planes are built not too far from here in Colorado and also because George Adam is a life insurance client of mine from a time when we (Bill Fanning from the Pilot Insurance Center assisted me)Â had to...
by Ed Hinerman | Dec 19, 2007 | insurance, life insurance, private pilots
A little more than 6 years after 9/11, private pilots can once again land at Reagan Washington National airport…………sort of. The first landing since private aviation was banned into the airport happened today. The pilot was treated to a free...
by Ed Hinerman | Dec 12, 2007 | insurance, life insurance, private pilots, term insurance, universal life
There has been a lot of jockeying over the past few years in who can make the best offer on life insurance for pilots. Generally the discussion has been around term insurance. When American General backed out of the aviation market, they took with them virtually the...
by Ed Hinerman | Oct 25, 2007 | breast cancer, cancer, diabetes, heart disease, Independent agent, insurance, life insurance, obesity, private pilots
In an effort to serve more completely the needs of those whose health can make getting affordable life insurance a challenge, Hinerman Group is moving ahead with new “health challenge specific” websites. My passion has always been to foster discussion and...
by Ed Hinerman | Oct 19, 2007 | cancer, diabetes, foreign travel, heart disease, insurance, life insurance, private pilots, Sleep apnea, stroke, Type 1 diabetes, Type 2 diabetes
Over the years, North American Ccmpany for Life and Health has moved in and out of the impaired risk spot light. Overall though, they would have to be judged as one of the better small companies out there. North American isn’t one of the big boys, but they are...
by Ed Hinerman | Oct 16, 2007 | Anxiety, cancer, Depression, diabetes, DUI, heart attack, Independent agent, private pilots, prostate cancer, Sleep apnea
The Rock!! I bring Pru up every once in a while simply because they seem to be a company that is out to make a difference in the life insurance business. Other companies are competitive, and Prudential isn’t the answer to every life insurance question, but they...
by Ed Hinerman | Oct 12, 2007 | insurance, life insurance, private pilots
About two-thirds of all private pilots belong to the AOPA, Aircraft Owners and Pilots Association. The AOPA is a self proclaimed advocacy group for pilots. One of the things they have pushed for years is life insurance through AOPA, underwritten by Minnesota Life. I...
by Ed Hinerman | Sep 22, 2007 | Anxiety, cancer, cholesterol, Depression, heart disease, insurance, life insurance, private pilots, term insurance, universal life
For the next several weeks I will be occasioanally giving information on the companies that I use. Each of these companies has a strong point or they would’t be in my portfolio. Each of them has weak points and these are things I consider when I am...
by Ed Hinerman | Sep 14, 2007 | diabetes, insurance, life insurance, private pilots
I recently wanted to share some thoughts on a diabetes issue concerning a blog I read on the American Diabetes Association website. Diabetes and getting fair treatment on life insurance for those that suffer from it has been a passion of mine for at least the past 10...
by Ed Hinerman | Sep 7, 2007 | cancer, epilepsy, guaranteed issue life insurance, insurance, private pilots
We’ve all heard some version of the story. A life insurance policy with an exclusion for anyone that dies if they are hit by a bus while wearing a green shirt on a Wednesday during August. Actually if the price was good, I would take that one. Don’t...
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