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By Ed Hinerman on July 31, 2012
I’ve been working some particularly tough impaired risk life insurance cases lately and it really drove it home to me that if a person with higher risk life insurance impairment is using an agent who only represents one or two or three companies, they have almost no chance of a good outcome with their life ...read more
Posted in impaired risk life insurance, Independent agent, insurance, life insurance, pilot, private pilots, professional car racing | Tagged agencies favor one company compensation, agent represents one company, alcohol or drug treatment, bipolar disorder, declined, getting approved, getting approved at best rate possible, high risk life insurance, impaired risk life insurance, indepedent agent, insurance, life insurance, mountain climbers, not the quickest life insurance quote, private pilot life insurance, professional car racers, seizure disorders, treated unfairly, Type 1 diabetes
By Ed Hinerman on July 4, 2012
Although the combination of affordable life insurance and private pilots has never been the norm across the scope of all life insurance companies, there hasn’t been a time in the last decade, almost two, where the match couldn’t be made with the right agent using the right company. The goal has always been to avoid ...read more
Posted in impaired risk life insurance, insurance, life insurance, life insurance approval, private pilots | Tagged aerobatics, affordable life insurance, affordable life insurance private pilots, avoid flat extra charge, bush pilots, crop dusters, experience as pilot in command, flat extra charge, flight instructors, impaired risk life insurance, insurance, life insurance, private pilot, private pilot life insurance, proficiency by flying regularly, student pilot
By Ed Hinerman on May 15, 2012
I’ve talked about life insurance from one end of life to another, from insurance for children to senior life insurance. The one common denominator is that if someone doesn’t take any action to put life insurance in force there is absolutely no way their beneficiaries will benefit from it. I’ve talked about how children’s life ...read more
Posted in children's life insurance, insurance, life insurance, private pilots, senior life insurance | Tagged brush with mortality, children's life insurance, colon cancer, family protection life insurance, guaranteed issue life insurance, insurance, Juvenile life insurance, juvenile life insurance conversion, life insurance, mid air collision, private pilot, saving money by not buying life insurance, senior life insurance
By Ed Hinerman on March 31, 2012
I had an interesting email question yesterday concerning whether or not there is a time limit on filing a claim for life insurance. There are plenty of stories out there about old stock being found and old life insurance policies turning up. In this case the son who called me isn’t even sure if his ...read more
Posted in death benefit, insurance, life insurance, life insurance claim, pilot, private pilots | Tagged AOPA member, death certificate, insurance, insurance claim statute of limitations, life insurance, life insurance claim, life insurance in force, no policy too old, old insurance claims, old life insurance policies turning up, pay interest from date of death, pay interest on death benefit, private pilot life insurance |
By Ed Hinerman on March 13, 2012
Declined life insurance applications. It’s where most of my customers come from. I do have a pretty fair block of business with private pilots and a growing business with Lloyds of London in high risk and high limit insurance policies such as coverage for contract workers in war zones and people that climb mountains. But ...read more
Posted in decline, diabetes, impaired risk life insurance, insurance, insurance quotes, life insurance, no exam, private pilots | Tagged agent doesn't ask questions about impairment, archaic underwriting, bipolar disorder, captive agents, declined life insurance application, diabetes, former car salesmen, heart attack, high limit insurance, high risk insurance, impaired risk life insurance, independent agents, insurance, life insurance, no exam nonsense, no health questions nonsense, pre approved to be declined, quote from an underwriter, relevant to mortality, Selectquote, wrong life insurance agent, wrong life insurance company, Zander |
By Ed Hinerman on February 13, 2012
There are plenty of people who took up flying as a hobby. What a great thing to be able to fly up to Wyoming and visit my mom or just fly around this beautiful country and, even better, the beautiful state of Colorado I live in. But for a lot of us that took a ...read more
Posted in accidental death, insurance, life insurance, pilot, private pilots, student pilot | Tagged accidental death, annual hours, aviation is covered, covered for any cause of death, economy, flying, insurance, life insurance, pilot, price of fuel, private pilot, proficiency, recertify, student pilot
By Ed Hinerman on December 14, 2011
What a crazy year for underwriting life insurance. There have been shifts all over the map from type 1 diabetes to melanoma history, with some of the best news coming for private pilots. It’s been quite a while since we’ve had as many solid players in the hunt for private pilot life insurance. In fact, ...read more
Posted in insurance, life insurance, melanoma, pilot, private pilots, Type 1 diabetes | Tagged best rate class, CFII, fixed wing, flight instructors, great news, helicopter pilot, IFR, insurance, life insurance, PIC hours, pilots, private pilot life insurance, private pilots, student pilots, the new good old days, using helicopter to commute, VFR
By Ed Hinerman on November 15, 2011
There was a long time before my website and blog took off where I was, like most other independent life insurance agents out there, stuck trying to get the most bang for my buck out of purchased life insurance leads. Ten years ago I could spend $20-$25 per lead for impaired risk life insurance prospects. ...read more
Posted in business life insurance, Independent agent, insurance, life insurance, over 50 life insurance, pilot, private pilots | Tagged 30-40 agents, calls for days, foreign nationals, generic sites, impaired risk life isurance, independent life insurance agent, insurance, international business life insurance, life insurance, online agent warfare, online life insurance insanity, over 50 breast cancer life insurance, over 50 life insurance, over 50 prostate cancer life insurance, purchased life insurance leads, ticked off customers
By Ed Hinerman on October 20, 2011
Wouldn’t that be nice? Kind of like the Progressive commercials where every kind of insurance is in a separate box. “Here’s your perfect private pilot life insurance. Will that be all today?” It would be that simple if somehow you could get rid of all of the life insurance agents who claim to know what ...read more
Posted in insurance, life insurance, pilot, private pilots, student pilot | Tagged affordable, aviation exclusion, commercial, experience and proficiency, healthier, IFR, instructors, inusrance, life insurance, pilots, pilots over age 70, preferred plus rates, preferred rates, private pilots, Progressive, regular physicals, student pilots, VFR
