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Now or Never Life Insurance!

Now or Never Life Insurance!

Sounds a bit like a sales close doesn’t it? But this is coming from the buyer, not the life insurance agent. It happens more than you might think with business life insurance where a loan that needs life insurance collateral is needed now, not later. If it isn’t acquired now, the opportunity for a loan, a new business, an important acquisition or a strategic business move might be miss...
Acts Of War Or Terrorism Life Insurance!

Acts Of War Or Terrorism Life Insurance!

I don’t like to play on people’s fears when helping with life insurance, but let’s be practical. If you are a missionary, business person or civilian contractor with ties to the US and you’re working in areas of the world where bad people are playing the wreaking havoc game and being American targets gets them the most points, life insurance that speaks directly to acts of...
More Opportunities for Missionary Life Insurance!

More Opportunities for Missionary Life Insurance!

While we’ve been able to offer life insurance for missionaries world wide for some time, with just one company we’ve been restricted to their products and pricing. While the pricing and products are fair, for some, especially younger missionaries, being restricted to a 10 year term isn’t optimal. Recently we contracted with another life insurance company that, while not world wid...
Fool me once!!!

Fool me once!!!

For those wanting to purchase accidental death policies through Hinerman Group life insurance and Risk Life, well, it just got a little tougher thanks to a client who lied to me about her and her husband’s scuba diving activities. I got a call in March from a lady on St Croix asking about scuba diving accidental death coverage. After going through all of the usual questions about certificati...
Over Age 60 Life Insurance Buyer Beware!

Over Age 60 Life Insurance Buyer Beware!

Life insurance myth or fact? Are those of us over age 60 really stuck with old people life insurance products like what is represented as appropriate for our age by AARP/New York Life? Is it that we had our chance at traditional life insurance and as soon as the AARP cards started coming in the mail, we weren’t really a good fit for companies like Prudential, Lincoln National or American Gen...
Breathing New Life Into Missionary Life Insurance!

Breathing New Life Into Missionary Life Insurance!

We get that life insurance companies aren’t really against Christians and we understand that’s not why they are so wary about underwriting missionaries. The underwriting truth with traditional life insurance companies is that Christians are persecuted all over the world and in some parts of the world that persecution can lead to an untimely death. They will decline to offer coverage. M...
Your Life Insurance Agent Lied To You!

Your Life Insurance Agent Lied To You!

Don’t you just hate it when someone, anyone, lies to you for any reason? As the DOW plunges again today I’m sure one of the two biggest financial lies is running through a lot of minds, “It always comes back”. It’s just our opinion that in the whole scheme of things, while that seems to have held true over the history of the stock market, saying that it will always co...
I Will Never Know Enough To Do This Job!

I Will Never Know Enough To Do This Job!

It occurred to me after I had finished getting information for quotes from a man who only had half a diaphragm that gave him less than perfect pulmonary function on that side, coming right on the heels of getting life insurance approval on an HIV+ case, which was preceded by binding coverage for a company CEO to have $1 million in coverage to do counter terrorism work in Iraq and helping another c...
War Zone Risk Isn’t All About Soldiers!

War Zone Risk Isn’t All About Soldiers!

While wars rage on, with Iraq, Afghanistan, Libya and Syria it’s an ever changing scene. While the US and its’ allies have done their best (or not in the case of Syria) to bomb the enemy into submission, there is another set of war casualties that often doesn’t get coverage and in some cases is higher than the armed combat troop casualties. There have been periods of time in all...
When Your Agent Says That Can’t Be Done!

When Your Agent Says That Can’t Be Done!

When I get a phone call or an email from someone saying that they’ve been told by their life insurance agent or even multiple life insurance agents that their situation just can’t be approved and covered, well, game on. While there is a possibility that the client might not be able to get traditional life insurance, that is far more rare than you might think, and in those cases in almo...
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