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 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 | CEO life insurance, life insurance, Marijuana business life insurance
Is marijuana business life insurance available? The Challenges! As with all things, when laws change the insurance industry is often slow to jump on board and recognize that legality. With business life insurance policies like key man and buy/sell life insurance this...
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 14, 2017 | approval, CEO life insurance, impaired risk life insurance, insurance, life insurance
A life insurance policy can be a static document if 1. You buy it at an age where you’re sure the term length will outlast your needs, 2. You get the very best rate class and 3. There are no surprises in life after you take out the policy. If, for some reason,...
by Ed Hinerman | Jan 2, 2017 | business life insurance, CEO life insurance, insurance, life insurance
About five years ago I was working with the CEO of a mid size company on a succession plan for his business using life insurance. I remember this case well because of two things. First, it was unique in that the owner and CEO wanted to use this life insurance to allow...
by Ed Hinerman | Oct 11, 2016 | business life insurance, CEO life insurance, executives, insurance, last minute life insurance, life insurance
With personal life insurance there is very seldom a reason to panic if there is a delay or an unexpected decline that needs to be worked on to overcome. I know it happens anyway (the panic), especially when there has been a decline, but given a little time and the...
by Ed Hinerman | Sep 21, 2016 | business life insurance, buy/sell life insurance, guaranteed issue life insurance, insurance, insurance quotes, life insurance, life insurance exam, over 50 life insurance
A query about life insurance yesterday from a 58 year old with no health history, no family history and no current treatment and a great build led to quotes at a preferred plus level. A return email today asked me to quote a worse rate class doubting that someone his...
by Ed Hinerman | Sep 1, 2016 | business life insurance, CEO life insurance, executives, insurance, international medical insurance, key man insurance, life insurance
Life insurance protection should be considered any time that the the death of the principle of a business, whether the CEO, President, CFO, major shareholder or partner would have a major impact or cause some kind of financial chaos upon their death. We’ve...
by Ed Hinerman | Aug 3, 2016 | application process, CEO life insurance, Ex Patriot life insurance, executives, Foreign National Life Insurance, foreign nationals, high net worth, insurance, International Business insurance, life insurance
I’m considering Lasik surgery and as with all things medical in the US I was kind of ticked off when I saw the prices and then, how unpatriotic of me, compared them to a vacation to Costa Rica that happened to include the same medical procedure at a state of the...
by Ed Hinerman | Aug 2, 2016 | ADHD, Anxiety, bipolar disorder, CEO life insurance, Depression, executives, insurance, life insurance, life insurance approval
Well before I was known for being someone with bipolar disorder, a reasonably stable, high functioning someone with bipolar disorder, I was the go to guy in the US, most of Canada, Mexico, Central America and the Caribbean for those in need of life insurance who...
by Ed Hinerman | Jun 9, 2016 | abnormal ekg, abnormal labs, atrial fibrillation, business life insurance, CEO life insurance, doctor's recommendation, insurance, life insurance, life insurance approval
We’ve discussed BNP and proBNP in this forum before and the life insurance underwriting, or lack of, that goes with a high reading. Much like some companies used to do with the liver function test GGT, the underwriter would immediately assume they client drinks...
by Ed Hinerman | Mar 17, 2016 | business life insurance, buy/sell life insurance, CEO life insurance, insurable interest, insurance, International Business insurance, key man insurance, life insurance
The nice thing about having your own business is that, at least within the law, no one can tell you how to run it. We can recommend all we want that you flip those burgers just 15 seconds earlier or that you use gluten free beer in your beer battered fish filet, but...
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