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Crazy Life Insurance Agent! Run For Your Lives!!

Crazy Life Insurance Agent! Run For Your Lives!!

Could it be true? Could the best of the best at mood disorder life insurance have slipped a cog, missed a gear, dropped his paddle in white water rapids and become one of them? One of you? I can tell you that for the last six months my life, my reality has been turned upside down by a little talked about cause of craziness, traumatic brain injury. If there was anything to laugh about in the afterm...
Is Your Anxiety Really A Life Insurance Mortality Risk?

Is Your Anxiety Really A Life Insurance Mortality Risk?

Mood disorders have varying degrees of control just like any physical disorder. If you are type 2 diabetic and have an A1c that stays in the mid 6’s because you tend to the business of monitoring and treating the disease, it’s considered well controlled by life insurance underwriters and is rewarded with better approved rates than if your A1c averaged 8.5. If you used to weigh 250 poun...
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...
High Stress Professionals At Risk Of High Stress Life Insurance Rates!

High Stress Professionals At Risk Of High Stress Life Insurance Rates!

It doesn’t take much imagination to see that we are a nation of stressed out folks. Maybe we’re a little whiny when you consider that as bad as it gets here is probably very comparable to as good as it gets in some other countries, but we’ve created this fast paced, high stress society and if you aren’t a participant in the stress you aren’t participating in the ups...
How Major Is The Life Insurance Risk Of Your Minor Depression?

How Major Is The Life Insurance Risk Of Your Minor Depression?

The question posed and so many other questions like it are the base on which Risk Life and other true impaired risk life insurance agencies are built. The life insurance industry was built on the “bucket underwriting format” where all people with depression or even a past history of depression are put in a bucket that already has a pre-determined underwriting outcome. Essentially the...
ADD And ADHD Life Insurance Risk?

ADD And ADHD Life Insurance Risk?

It has occurred to us that while life insurance companies certainly try to squeeze all the minor mood disorders into one box that they either have it wrong or they are using the wrong box. Let’s consider the life insurance underwriting for depression, anxiety and ADD or ADHD. While there are a hand full of top notch underwriters who agree with us, the majority fit this scenario very well. We...
Bipolar Life Insurance Risk Discussed!

Bipolar Life Insurance Risk Discussed!

We work with a lot of life insurance clients who have mood disorders and their assumption about mood disorder underwriting and why so many companies don’t give a fair look, is that the companies are worried about potential suicide. It’s our opinion that if you take a survey of the population of average folks and those with well controlled mood disorders, including bipolar disorder, the...
Are You Feeling A Little Anxious These Days?

Are You Feeling A Little Anxious These Days?

We’ve talked over the years about how a little anxiety or a little depression seems like an appropriate response to the world and especially the country we live in. We live in a country where type A work personalities are given gold stars and where the non stop feeding tube of TV provides any number of reasons on any day to be feeling a little down. Take today for instance. We’re about...
Mortality Risk In Mood Disorders?

Mortality Risk In Mood Disorders?

We’ve talked a lot about how the risk of mild or past mood disorders rarely get a fair shake from life insurance underwriters. Recently a few of our best companies when it comes to mood disorders from depression and anxiety to bipolar disorder, have changed their view on the actual mortality risk and while companies are free to change their minds and go where they believe they need to, we ta...
What’s The Risk In Life Insurance With Suicidal Ideations?

What’s The Risk In Life Insurance With Suicidal Ideations?

We have a lot of clients with mood disorders that span the range from grumpy to bipolar disorder and whenever we interview a client for mood disorder life insurance we always ask about suicidal thoughts and/or attempts. I think everyone can agree with the obvious life insurance risk if someone has attempted suicide, although even that can be overcome with time. But suicidal thoughts, ideations, wh...
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