by Ed Hinerman | Sep 20, 2011 | accidental death, AIG, Civilian War Zone Coverage, decline, hazardous activities, insurance, life insurance, private pilots
If you’ve entertained looking into high paying work in Iraq and Afghanistan, you’re not alone with the job situation here. The lure of a year or two of work to get back on financially stable ground is tempting. But “job” comes with an asterisk...
by Ed Hinerman | Jun 27, 2011 | accidental death, contestability, death benefit, hazardous activities, insurance, life insurance, pilot, private pilots, scuba diving, skydiving
Let’s start with the good news. If you have life insurance in force and you took up your hazardous activity after putting that life insurance policy in force, and didn’t apply for the insurance because you were anticipating taking up the dangerous hobby,...
by Ed Hinerman | May 9, 2011 | insurance, life insurance, skydiving, terrorism
I was talking to an associate I work with on travel insurance last week and he said that since Bin Laden’s death requests for acts of terrorism life insurance have gone up ten fold. It’s no big surprise I guess that people are concerned about retaliation...
by Ed Hinerman | Sep 9, 2010 | incontestability, insurance, life insurance, pilot, skydiving
There has always been a stigma attached to life insurance and life insurance companies that they really will do all they can to get out of paying a life insurance claim. People really want, on some level, to believe life insurance companies really don’t pay out...
by Ed Hinerman | May 22, 2009 | foreign travel, insurance, life insurance
AXA Equitable announced recently an easing of foreign travel restrictions for both term insurance and universal life products. These new guidelines now allow, depending on the destination, 4-12 weeks of travel and in some cases living abroad for extended periods. To...
by Ed Hinerman | Apr 29, 2009 | foreign travel, insurance, life insurance
When the view out the office window looks like this sometimes it feels like we are protected by those 14,000 foot peaks from the real world. Thanks to fiber optics and the internet we can sit here and do life insurance business with those out in the “real...
by Ed Hinerman | Apr 29, 2009 | cancer, cholesterol, foreign travel, insurance, life insurance, mortality, mortality risk, prostate cancer
When I got my briefs in a bunch earlier this year in a little spat with ING Reliastar, on the surface it would seem that we were arguing semantics. Just underneath the surface is a gray area about half the size of the universe where life insurance companies seem to...
by Ed Hinerman | Apr 27, 2009 | beneficiary, conversion, estate taxes, foreign travel, insurance, life insurance, mortality, mortality risk, private pilots, scuba diving, suicide clause
I did a series of posts last year on life insurance policies and have referred back to those posts on several occasions when explaining some specific clauses and options such as the suicide clause and incontestability clause and the conversion option. Now I would like...
by Ed Hinerman | Mar 31, 2009 | cancer, foreign travel, Independent agent, insurance, life insurance, private pilots, scuba diving, skydiving, smoking, student pilot
I finally got my wife to look the other way while I jumped out of an airplane for my 54th birthday. She’s always so nice about asking me what I want for my birthday, and for the past 5 years I hadgreat present. She steadfastly refused, not wanting to be a party...
by Ed Hinerman | Mar 18, 2009 | A1c, AARP, Anxiety, beneficiary, bipolar, bipolar disorder, blood pressure, business life insurance, buy/sell life insurance, bypass surgery, cancer, Dave Ramsey, Depression, diabetes, foreign travel, gastric bypass, guarantee, heart attack, heart disease, high blood pressure, hypertension, Independent agent, insurance, key man insurance, kidnap, life insurance, mortality, mortality risk, New York Life, obesity, prayer, private pilots, prostate cancer, Prudential, PSA, ransom, scuba diving, skydiving, Sleep apnea, stroke, suicide clause, suze orman, term insurance, Type 1 diabetes, Type 2 diabetes, universal life, variable universal life, whole life, women
It’s been a fascinating couple of years. I will sum it up by saying that we have helped a lot of people get life insurance who never thought they could. And what better way to celebrate the information we’ve shared and the victories we’ve had than...
by Ed Hinerman | Feb 24, 2009 | foreign travel, insurance, kidnap, life insurance, ransom, travel insurance
I can remember when life insurance was sold from vending machines in airports. “Flight” insurance I think they called it. Really put my mind at ease. While that has come and gone, some travel still carries with it a risk worth considering. With our global...
by Ed Hinerman | Nov 10, 2008 | Alcohol Treatment Life Insurance, cancer, cholesterol, diabetes, Drug Treatment Life Insurance, foreign travel, heart attack, heart disease, obesity
They’re the rates you see advertised all the time and they are definitely the rates that everyone would like to be paying for their life insurance coverage. But do you qualify? First let’s dispel with a few old myths. Your age and the amount of insurance...
by Ed Hinerman | May 24, 2008 | foreign travel, Independent agent, insurance, life insurance
For as long as I’ve been in the business, not quite 100 years but working on it, foreign travel has been fair game for life insurance companies underwriting criteria. In the words of an underwriter I spoke to several years ago, “it seems prudent for us to...
by Ed Hinerman | Mar 19, 2008 | foreign travel, insurance, life insurance, skydiving
If you are planning a trip to the Olympics this summer, it’s time for a life insurance checkup to make sure you are covered for foreign travel, and if you are considering increasing coverage before you go, you need to apply now. Most life insurance you have in...
by Ed Hinerman | Oct 19, 2007 | foreign travel, Independent agent, insurance, life insurance
When you hear about life insurance company concerns with foreign travel, do you ever wonder where they draw the line? I recently shopped for coverage on a corporate jet pilot that did a fair amount of overseas flights. The best offer came back with the caveat that...
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