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Posts Under Alcohol abuse risk Category

The 4th Of July Parade of ADD or  ADHD Challenged!

The 4th Of July Parade of ADD or ADHD Challenged!

You got it. Attention Deficit Driving or Aggressive Disoriented Hyperspeed Driving. I thought I could hide these morons behind simple mood disorder terms and get away with talking about mood disorders and life insurance, but alas I, and more importantly, my Dog, were nearly killed by one of these yesterday. I never tire of the beauty and grandeur of the Heart of the Rockies, that area of Colorado...
Is The Hep C Risk Gone With The Cure?

Is The Hep C Risk Gone With The Cure?

Life insurance underwriters kind of get caught with their brainiac pants down when something like a cure for Hepatitis C comes along. They’ve had their underwriting stance on the impairment in writing for so long that it’s just what it is and it’s not going to change any more than a star’s name on the walk of fame in Hollywood would be chiseled out and changed. It used to b...
How Do Life Insurance Companies Feel About Your DUI? Both Of Them?

How Do Life Insurance Companies Feel About Your DUI? Both Of Them?

It wasn’t that long ago that if you wrote DUI on a life insurance application it would automatically burst into flames. Why allow it to make it to an underwriter when it was an automatic decline, almost no matter how long ago it was. There used to be a company called Federal Kemper that felt so strongly that the life insurance liver function GGT was an indicator of a life time of drinking th...
Conversion With American General Hits All Time Low!

Conversion With American General Hits All Time Low!

We are currently working with a CEO of a world wide company who came to the end of his 10 year guarantee term on both his $10 million key man business life insurance policy and his personal $5 million dollar policy. It shouldn’t have been an issue for the American General agent to provide a new term policy, but this executive had developed a few life insurance wrinkles in that 10 years, most...
Alcoholism Risk Underwriting

Alcoholism Risk Underwriting

Life insurance underwriters have a number of tools at their disposal to underwrite alcohol abusive and alcohol dependent applicants. Their first hint could come from lab results. The CDT, an alcohol marker, has always been the result of choice used to decline an applicant based on alcohol abuse. The CDT is usually only run as a back up when liver functions are out of normal since heavy drinking ca...
DUI Risk In Life Insurance!

DUI Risk In Life Insurance!

Life insurance underwriters make it quite clear that the mortality risk associated with DUI and for sure multiple DUI’s  is substantial. With one exception we haven’t found any companies that will even approve a policy for someone with a DUI in the first year. Most start opening the door for a single instance at three or five years out from the incident as long as there isn’t a...
Are Insurance Lab Results Infallible?

Are Insurance Lab Results Infallible?

Over the years we’ve noticed that there are some lab results that life insurance underwriters will allow a retest on and there are others, viciously to the contrary, that even if they were buried in a truck load of evidence to the contrary they will never admit the possibility of a false positive. Underwriters aside for the moment, every lab result has to have been through multiple human con...
Is Your Doctor Helping Or Hurting Your Life Insurance Application?

Is Your Doctor Helping Or Hurting Your Life Insurance Application?

There is a lot of blaming life insurance underwriters for things that need to be pulled back from that target and laid squarely on your own doctor’s desk. At Risk Life we have found that most people’s records have errors, and a life insurance underwriter will never know it is an error because you don’t even know about and your doctor doesn’t care about it. Probably the most...
The Impact Of Alcohol On Life Insurance Risk!

The Impact Of Alcohol On Life Insurance Risk!

I doubt if we would get any debate if we just laid out there the statement that people who drink more than they ought to probably have a higher mortality risk compared to those who, at most, side with cardiologists who say a glass of wine with dinner is a good thing. It’s when alcohol becomes a habit that has priority in your life, a habit that occasionally causes problems in your life, becomes...