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 | Dec 19, 2013 | business life insurance, insurable interest, insurance, key man insurance, life insurance
Having served on a town council in the past, my opinion is the more the municipality is treated as a business the better it works for everyone involved. From where I sit today I can see instance after instance where the lack of planning for a small expenditure, key...
by Ed Hinerman | Nov 1, 2013 | children's life insurance, insurable interest, insurance, life insurance
There are a few things that, if we didn’t learn it from our own lives, we can count on to be true about our children. 1. If they take off in the wrong direction early (drinking, drugs, accidental single parenthood), and aren’t quick to turn around, they...
by Ed Hinerman | May 9, 2013 | application process, beneficiary, insurable interest, insurance, life insurance, life insurance claim
It’s been a while since I’ve updated this part of the life insurance process and there are some things that have changed and some that I simply need to redunderfy. Beneficiary designations are often not taken as seriously as they should be and can end up...
by Ed Hinerman | Oct 16, 2012 | Alcohol Treatment Life Insurance, approval, business life insurance, court ordered life insurance, Drug Treatment Life Insurance, executives, insurable interest, insurance, International Business insurance, life insurance, Lloyds of London
The life insurance process is by law and by practice a confidential transaction. Life insurance agents shouldn’t be telling anyone about who they are working for and life insurance examiners shouldn’t be telling anyone about who they have examined and home...
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