by Ed Hinerman | Feb 3, 2018 | business life insurance, CEO life insurance, clinical underwriting, Hep C Cure, HIV business life insurance, insurance, life insurance, life insurance approval, Type 1 diabetes
To say that the nature, the underwriting and the life insurance products have changed and changed remarkably over the last 10 years is an understatement. There is the old world of life insurance and now we are really, truly living in a new world and customers, both...
by Ed Hinerman | Jan 4, 2018 | approval, business life insurance, CEO life insurance, Hep C Cure, HIV business life insurance, HIV life insurance, indexed universal life, insurance, life insurance
2017 was a fantastic year for progress in life insurance underwriting. Business boomed for those companies bold enough to acknowledge and embrace major medical breakthroughs and the life insurance agents that represented those companies could finally announce fair...
by Ed Hinerman | Dec 4, 2017 | business life insurance, buy/sell life insurance, CEO life insurance, insurance, life insurance, life insurance approval
This is a step above, maybe several steps above your spouse suggesting that it is time for you to get life insurance. You should listen to your spouse because this is usually an awkward subject to bring up which means something important has triggered the request....
by Ed Hinerman | Oct 31, 2017 | business life insurance, buy/sell life insurance, insurance, life insurance
I suppose on superficial level that title deserves an explanation. Toilets replicate death. Not deep enough? When something disappears down a toilet you can’t get it back. In almost all cases that’s a good thing, right? But life is like what’s in...
by Ed Hinerman | Oct 12, 2017 | business life insurance, buy/sell life insurance, CEO life insurance, life insurance
Has Mr Murphy of Murphy’s Law invaded your business plans that involve a need for life insurance. I’m not pessimist enough to believe that “if things can go wrong, they will” but I know what a mess it can make when you are presented with a need...
by Ed Hinerman | Jul 5, 2017 | business life insurance, HIV business life insurance, HIV life insurance, insurance, life insurance, life insurance approval, personal life insurance, Type 1 diabetes
With the king sized jacking around that life insurance companies are giving HIV+ clients and the agents that fight for them I am occasionally left wondering if the whole game is worth it. Life insurance companies seem to decline and very rarely approve these policies...
by Ed Hinerman | May 19, 2017 | business life insurance, impaired risk life insurance, insurance, life insurance, over 60 life insurance
The old saying “you get what your pay for” insinuates that often going the less expensive direction in a purchase can leave you, well, feeling like maybe the choice wasn’t an apples for apples choice. You’re left wishing you had spent a little...
by Ed Hinerman | May 16, 2017 | application process, business life insurance, buy/sell life insurance, Cannabis business life insurance, CEO life insurance, HIV business life insurance, insurance, life insurance, life insurance approval
We’ve discussed at length (some would say ad nauseum) in this forum about the critical need for business life insurance for the key people in your company. The CEO having key person life insurance is going to be demanded by lenders as your business grows and...
by Ed Hinerman | Apr 25, 2017 | business life insurance, CEO life insurance, insurance, insurance quotes, life insurance, life insurance approval
I talk often and loudly about how many people, through no fault of their own, end up paying too much for life insurance. That’s the first crime usually inflicted by using the wrong agent who used the wrong company. The second crime is when you, the life...
by Ed Hinerman | Apr 24, 2017 | bipolar disorder, business life insurance, buy/sell life insurance, insurance, life insurance, life insurance approval
I’ve talked to and helped enough people over the last 16 years, PTIE, post traumatic insurance experience, to know that when people say they were treated unfairly when applying for life insurance they usually really were. The majority of unfair life insurance...
by Ed Hinerman | Apr 22, 2017 | business life insurance, Cannabis business life insurance, CEO life insurance, insurance, life insurance, life insurance approval, Marijuana business life insurance
Every new or growing business in need of capital to move things along has to choose a source, a bank, an investor or a partner and in all three of those scenarios any substantial investment in your new enterprise is going to require business life insurance as...
by Ed Hinerman | Apr 6, 2017 | business life insurance, buy/sell life insurance, Cannabis business life insurance, insurance, life insurance, Marijuana business life insurance
And DC. Up until now all 50 states and DC had legal, profitable tax paying, big employment businesses that, unlike all of their legal, profitable, tax paying, employing counterparts, couldn’t buy business life insurance. Even when the legalization of Cannabis...
by Ed Hinerman | Apr 6, 2017 | business life insurance, Cannabis business life insurance, CEO life insurance, Civilian War Zone Coverage, executives, insurance, life insurance, life insurance approval, Marijuana business life insurance
For all of those investors and entrepreneurs who saw the legalization of medical and recreational marijuana coming and took advantage of it, good job. All of us in business, if we weren’t, wish we could have been on the first elevator up to an opportunity that...
by Ed Hinerman | Mar 20, 2017 | business life insurance, CEO life insurance, insurance, insurance quotes, life insurance, life insurance approval
How’s this for shock value? Life insurance agents get into the business to make money and there are times when how much money they are going to make may, just may, skew their recommendation on what product you should buy. No really! That can happen one of two...
by Ed Hinerman | Feb 28, 2017 | business life insurance, Civilian War Zone Coverage, life insurance
With our planet shrinking rapidly from a business standpoint it’s left many around the world scrambling for what to do about life insurance. Business life insurance can be fairly simple when all the parties live in the United States, but when partnerships cross...
Recent Comments