by Ed Hinerman | Jun 20, 2012 | Foreign National Life Insurance, foreign nationals, high net worth, insurance, life insurance, term insurance, whole life
I received an update on new foreign national life insurance underwriting guidelines today from one of the country’s largest life insurance companies. They announced a liberalization of requirements for Mexican and Canadian citizens. From past posts you would...
by Ed Hinerman | Jan 24, 2012 | accidental death, AIG, insurance, International Business insurance, life insurance, Lloyds of London, over 50 life insurance, professional athlete life insurance
While my primary focus remains impaired risk life insurance and over 50 life insurance, I’ve left no lack of evidence in this past year’s blog posts that there is so much more available. There is still nothing quite like getting an approval on life...
by Ed Hinerman | Oct 23, 2011 | disability, disability income, executives, hazardous activities, income replacement, professional athletes
Let’s step away from life insurance for a day and address an inherent problem in disability income insurance. Disability income insurance is there to theoretically replace earned income in the event that a person is disabled by injury or illness. Companies...
by Ed Hinerman | Feb 24, 2011 | conversion, insurance, life insurance, senior life insurance
Don’t you just hate the fact that hindsight is 20/20 and when you look back with clear vision you see that you waltzed right past some of the deals of the decade? Hasn’t happened to you? YET! With very few exceptions people who look at conversion quotes on...
by Ed Hinerman | Jan 29, 2011 | estate taxes, guarantee, insurance, life insurance, universal life
In a post yesterday I insinuated that we may be entering the greatest two years in history for estate wealth building, estate wealth protection and wealth transfer. That statement still stands, but…. I asked Kevin Cox with Lincoln Financial to review the post in...
by Ed Hinerman | Jul 19, 2009 | estate taxes, insurance, life insurance, second to die insurance
If not, give this some thought! Estate taxes come due nine months after the death of the sole surviving spouse or individual whose net worth comprises the estate. While nine months may seem like a long enough time to wrap up an estate and gather the money to pay the...
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