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By Ed Hinerman on June 4, 2012
The rule of thumb for single DUI incidents has always been that new life insurance coverage just isn’t available until you’re a year out from your finger missing your nose, your liver functions are normal and there is no history of alcohol abuse. Or at least that’s what I thought the rule of thumb was. ...read more
Posted in Alcohol Treatment Life Insurance, DUI, insurance, life insurance | Tagged 3 months from single dui incident, 3 months out from dui, approve at standard table 1, business key man coverage, DUI, instant issue business policy, insurance, life insurance, Lloyds of London, need it now, no alcohol abuse history, normal liver functions, NW Mutual, standard and $3.50 flat extra per thousand
By Ed Hinerman on May 1, 2012
If life and life insurance was all simple there wouldn’t be any bumps in the road. We would all have the coverage we need when we need it and Dorothy would be singing Somewhere Over The Rainbow in the background. Truth is that most of the time with life insurance it is that way. People ...read more
Posted in business life insurance, court ordered life insurance, DUI, insurance, International Business insurance, life insurance | Tagged bank required life insurance, business life insurance, CEO, court ordered life insurance, divorce settlement, DUI, high limit life insurance, insurance, key man life insurance, life insurance, life insurance underwriters, Lloyds of London, needing life insurance now, traditional life insurance
By Ed Hinerman on April 2, 2012
It occurred to me as I was writing insurance on a civilian contractor working at a forward operating base in Afghanistan a few weeks ago that, that there must be others just like them. There must be other groups of people who could benefit from affordable dangerous occupation accidental death insurance but are having a ...read more
Posted in accidental death, civilian contractors, Civilian War Zone Coverage, commercial fisherman life insurance, dangerous occupation life insurance, insurance, life insurance, Lloyds of London | Tagged Alaska Crab Coalition, attract best crew, civilian contractors in war zones, commercial fisherman life insurance, commercial fishing, commercial fishing great opportunity, crabbing Alaska, dangerous job accidental death insurance, Deadliest Catch, Governor of Alaska, insurance groups, insurance life insurance, Lloyds of London, lobster fishing, long line fishing swordfish, long line fishing tuna, most dangeous job in US, what happens if they don't make it home, worlds most dangerous job
By Ed Hinerman on January 9, 2012
I am working with a group of men on their war zone coverage, who have been waiting for three months now to start a series of one month trips to Iraq and Afghanistan to do finish work on some newly constructed airport facilities. As is becoming more common in Iraq especially, there have been delays. ...read more
Posted in accidental death, civilian contractors, Civilian War Zone Coverage, disability income, foreign travel, insurance, life insurance, Lloyds of London | Tagged accidental death, accidental death and dismemberment, Afghanistan, AIG, civilian contractors, disability, disability income, extension of benefits, extension of contracts, Global Underwriters, insurance, Iraq, less than half the price, life insurance, Lloyds of London, screwing the customer, Travel Insurance Center, war zone coverage
By Ed Hinerman on December 27, 2011
Prostate cancer, we’ve all heard at one time or another, is something that virtually every man will have at some point in his life. While only one in five or so of us guys will ever be diagnosed with prostate cancer, the other four, according to theory and reports, will have the cancer but it ...read more
Posted in insurance, life insurance, prostate cancer, PSA | Tagged approved at reasonable rates, cancer, carefully monitored, die from prostate cancer, early stage, every man at some point, exclude prostate cancer, Gleason 5-7, insurance, life insurance, Lloyds of London, low to moderate grade, men over 60, prostate cancer, prostate cancer life insurance, prostate cancer non event, prostate cancer over age 70, PSA, survival rate 100%, watchful waiting, watchful waiting is a decline, watchful waiting legitimate diagnosis
By Ed Hinerman on December 26, 2011
For those paying child support or alimony, the court may have also ordered that you carry life insurance for a specified period of time to make sure the commitment is met even if you’re not around to meet it. Most of the calls I get concerning purchasing court ordered child support or alimony life insurance ...read more
Posted in court ordered life insurance, insurance, life insurance | Tagged acquisition of medical records, alimony life insurance, child support life insurance, communcate with judge, communicate with attorney, court ordered life insurance, expedite, impaired risk life insurance, insurance, job done quickly, life insurance, Lloyds of London, may not qualify for traditional approval, needed in a hurry, priority is in force policy, the right agent, won't get bogged down
By Ed Hinerman on November 30, 2011
Your average run of the mill accidental death policy, or for that matter an accidental death rider on a life insurance policy is, well, not a very good value. The reason those policies are dirt cheap is that the mortality risk for accidental death as opposed to other causes of death is very low. When ...read more
Posted in accidental death, civilian contractors, Civilian War Zone Coverage, insurance, life insurance | Tagged accidental death policy, Afghanistan, base jumping, climb in Nepal, climb moutains, contractors in war zones, inherently risky, insurance, life insurance, Lloyds of London, monthly payments, mortality risk, pilot tows banners, skydiving, skydiving instructor |
By Ed Hinerman on November 9, 2011
Remember the “dress for success” thing that started back in the 70′s? I think it was probably a reaction to the way most people my age decided to dress in the 60′s. It never really worked for me. Every time I dressed for success, even if I got the job I didn’t like it. I ...read more
Posted in business life insurance, hazardous activities, income replacement, Infinite banking, insurance, life insurance | Tagged Afghanistan, contestability period, income replacement, infiite banking for business, inusrance, life insurance, life insurance as collateral, life insurance planning, life insurance professional, Lloyds of London, mountain climbing, skydiving, term life insurance
By Ed Hinerman on November 7, 2011
Without proper business life insurance in force the family of a deceased partner in a business could stand to lose the portion of the business that their loved worked long and hard to create, and to leave as a legacy. A succession plan for a business, whether a buy/sell plan in a partnership, a stock ...read more
Posted in business life insurance, buy/sell life insurance, foreign nationals, insurance, key man insurance, life insurance | Tagged business life insurance, business succession plan, buy/sell plan, foreign national, foreign national business partner, foreign national stockholder, impaired risk life insurance, international business, inusrance, Jamaica, key person, life insurance, liquidate the company, Lloyds of London, multi national business, stock redemption plan
