by Ed Hinerman | Oct 27, 2014 | business life insurance, buy/sell life insurance, CEO life insurance, executives, impaired risk life insurance, insurable interest, insurance, International Business insurance, key man insurance, life insurance
I get that business people get tired of hearing about all of the kinds of insurance they should be carrying because I am one. I carry more than what’s required by law in errors and omissions insurance just because of the litigious nature of our country. I err on...
by Ed Hinerman | Aug 20, 2014 | beneficiary, business life insurance, buy/sell life insurance, CEO life insurance, customer service, executives, impaired risk life insurance, insurance, life insurance, private pilots
I’ve helped orchestrate business life insurance for everything from the simple loan collateral policy to complicated stock repurchase plans, but what all business life insurance has in common is business succession, making sure the business survives in the event...
by Ed Hinerman | Jul 3, 2014 | angioplasty, approval, business life insurance, coronary artery disease (CAD), executives, family history, heart disease, insurance, life insurance, life insurance approval, life insurance underwriting
I’m working on one of those stranger than fiction life insurance cases right now. When I shopped it and got the first round of responses I literally sent all of them back out and ask them if they had read my request correctly. Surely they had missed something...
by Ed Hinerman | Jun 18, 2014 | business life insurance, buy/sell life insurance, CEO life insurance, civilian contractors, Civilian War Zone Coverage, dangerous occupation life insurance, executives, insurance, International Business insurance, key man insurance, life insurance, life insurance approval
According to recent U.S. State Department statistics, over 6.3 million American civilians currently live in more than 160 countries around the world. Due to modern globalization and the optimistic ideals of free trade and enterprise, the United States has one of the...
by Ed Hinerman | Jun 12, 2014 | business life insurance, buy/sell life insurance, CEO life insurance, customer service, executives, impaired risk life insurance, Independent agent, insurance, life insurance
Most of us who have sold or applied for life insurance understand the whole rate class thing. We all want to get preferred plus, the best rate class, but we aren’t all qualified to be approved that way. So the goal becomes a mission to get life insurance...
by Ed Hinerman | Jun 11, 2014 | application process, business life insurance, buy/sell life insurance, CEO life insurance, customer service, executives, Foreign National Life Insurance, foreign travel, insurance, life insurance, life insurance approval
I understand that there are quite a few very fine life insurance companies that are domiciled in Canada, but having said that there are some compelling reasons for considering US life insurance companies for personal, and especially for business coverage. Among those...
by Ed Hinerman | Jun 10, 2014 | business life insurance, buy/sell life insurance, CEO life insurance, customer service, executives, impaired risk life insurance, insurance, key man insurance, life insurance, life insurance approval
The obvious answer is of course I would buy the battleship if he had one just because I would be the only person in Silver City, NM to own a battle ship. There’s even a big enough lake a few hours from here to float it in although I’m not sure you could...
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 | 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 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 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 | Jan 29, 2014 | application process, approval, business life insurance, death benefit, estate taxes, executives, high net worth, insurable interest, insurance, life insurance
You can figure I would take off on a subject like this because of some recent interaction with a life insurance underwriter who obviously has a desk somewhere out in left field, but the truth is there is never any shortage of questions that are completely irrelevant...
by Ed Hinerman | Nov 21, 2013 | customer service, executives, insurance, life insurance
Are you ready to celebrate the 50th anniversary of Mutual of Omaha’s never ending show Wild Kingdom. I was an obnoxious 10 year old when Marlin Perkins first took over our TV’s and started teaching us how life and health insurance were delicately woven...
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