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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...
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...
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...
Who Would Raise Life Insurance Rates More Than 50%?

Who Would Raise Life Insurance Rates More Than 50%?

The answer that pops into our head in the super competitive life insurance market is a company that doesn’t want to sell any more life insurance, or more specifically in this case doesn’t want people to buy any more of one product until they can get it off the market. Genworth Life and Annuity, formerly First Colony has found themselves holding a term life insurance conversion product...
Five Traits Of A Scumsucking Life Insurance Agent.

Five Traits Of A Scumsucking Life Insurance Agent.

We all get those phone calls where the people obviously have gone through extensive training to be able to ignore anything you say, unless it’s yes, and keep right on talking. It’s called cold calling or telemarketing and the people on the other end don’t get paid for giving up. While we are somewhat out of that kind of high pressure, take no prisoners, sales ballgame in life ins...
Life Insurance Over 50 Urban Myth Busted!

Life Insurance Over 50 Urban Myth Busted!

As long as we’ve been involved with life insurance, which puts us in the over 50 and at least one over 60 age categories, turning age 50 has been blamed for everything from being declined for life insurance to prices and assumed risk quintupling if that’s a word. While we would be the last to tell you that life insurance just gets cheaper as you age, the idea that age, any age is cause...
Protective Life Conversion Issues!

Protective Life Conversion Issues!

Having been long ago cut loose from all affiliations with West Coast Life, Protective Life and all of the other companies that Protective has gobbled up over the years, cutting the slack isn’t very high on my agenda. The truth is if I could somehow slip wording into their life insurance policies under the conversion option that said “best read when bending over”, we don’t t...
When The CEO Isn’t A Life Insurance Poster Child!

When The CEO Isn’t A Life Insurance Poster Child!

Executives of companies, in spite of the fact that they have professionally “made it”, don’t necessarily have every life category nailed and like the rest of us who are over age 50 or 60, may not be a poster child for $12 a month life insurance. The truth is that depending on the company only about 10% to 15% of people qualify for the best life insurance rates and in spite of C...
Over Age 60 Life Insurance Risk!

Over Age 60 Life Insurance Risk!

For any number of reasons those of us over 60 are finding our life insurance needs have changed some from what our parents experienced and really from what our own expectations might have been 20 years ago. Changes in the economic world like the great recession of 2007 are causing some of us to look at sticking with our careers a little longer. Some of us are grandparents and have found ourselves...
What Would Life Insurance Cost Without Risk?

What Would Life Insurance Cost Without Risk?

Another way to approach that question would be to ask just who it is that presents the least risk and how do life insurance companies determine when extra risk is present. The average life expectancy in the US varies from state to state with Mississippi and West Virginia bring up the lower end at around 75, while Hawaii is a full year better than everyone at 82.7. We’ve heard it put other wa...
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