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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...
Sleep Apnea Still Getting Best Life Insurance Rates!

Sleep Apnea Still Getting Best Life Insurance Rates!

We just placed another sleep apnea life insurance policy in force and are working on another sleep apnea application that we expect to get preferred best rates on. This is another one of those life insurance underwriting areas that sees a lot of companies join the team and then quit for no apparent reason. But Prudential hasn’t wavered in their efforts to get those with mild to moderate slee...
Low Life Insurance Rates Cost Someone More!

Low Life Insurance Rates Cost Someone More!

Coming on the heels of another rate decrease by one of the leading term life insurance companies we have raised the question with some companies, if the best rates are going down, whose pocket is that coming out of. We understand that making your best two rate classes more competitive lures more healthy young people with less risk, but when you lower the profit margin at that point, don’t yo...
Is Yours The Best Life Insurance Rate?

Is Yours The Best Life Insurance Rate?

The difference between what you see advertised and the best life insurance rate for your situation is almost always a bit of a reality check. When we see $12 a month will buy you  $500,000 of life insurance protection for your family, well, if we’re awake we know that the whole story isn’t being told or it’s being told so fast and so small in the fine print that it isn’t m...
Seven Traits Of Bad And Good Life Insurance Agents!

Seven Traits Of Bad And Good Life Insurance Agents!

Who are we to judge, right? We all make mistakes, but hopefully we learn from those and grow to be better agents. But there are some traits that agents have in common who either have very short careers or have a very low retention rate for their customers. We think it’s worth airing some of the dirty laundry or our industry so that you as consumers will know what to watch for (and run from)...
What Is A Flat Extra Charge On Life Insurance?

What Is A Flat Extra Charge On Life Insurance?

Most of the time life insurance rates fall within a rate class. Generically most company’s best rate is call preferred plus. This is the rate that people get when they are fit and really don’t have much for issues. Treatment for cholesterol and blood pressure can get best rate class with some companies, but most put those things off to their second best rate called preferred. People ca...
Summer’s Coming! Skin Cancer Risk?

Summer’s Coming! Skin Cancer Risk?

The most common kind of cancer in both men and women is skin cancer. Much of it can be brushed aside as insignificant, at least from a long term morality risk standpoint, but when basal cell carcinoma and squamous cell carcinoma have been swept under the rug, melanoma remains. Skin cancer risk life insurance underwriting can’t be simple when there is one left that can kill you. There have be...
Mood Disorder Risk Life Insurance!

Mood Disorder Risk Life Insurance!

The life insurance industry has managed to hold off progress in mood disorder risk underwriting for way past a time period that would indicate that they were just being cautious, but in many ways their understanding or lack of it is nothing more than a mirror of society. In the 21st century it’s clear that some of the stigma that comes with being a touch mentally out of balance is gone. But not...
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