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HIV+ Life Insurance Finally Gets Fair Shake!

HIV+ Life Insurance Finally Gets Fair Shake!

To give you an idea just how sick I was of the way the life insurance industry has treated even the best of the best when it comes to managing their HIV, I and a group of life insurance professionals with my experience or longer in impaired risk life insurance were in the beginning stages of starting a new life insurance company. This company would only serve HIV+ clients. Although we knew that at...
Worth Considering?

Worth Considering?

I’m a Christian, a follower of my Lord Jesus Christ and it is with no small concern that I have watched the escalating bias and hatred and even killing of my brothers and sisters especially in the last 20 years, especially in the last 5 years. Depending on where the information comes from hundreds of thousands of Christians have been killed in the last five years and for those serving as mis...
Family Protection In Dangerous Times

Family Protection In Dangerous Times

I got an email from a guy working with a security service in Afghanistan today wondering if he could get life insurance protection for his family in spite of his location and his job risk. The answer to both is yes. Since civilian contracting in post war and war zones began we have been able to get coverage for life insurance (accidental death and dismemberment) for anyone who isn’t actively...
Life Insurance AntiMissionarianism!

Life Insurance AntiMissionarianism!

I remember when I learned to spell antidisestablishmentariansim. 6th grade. I was way proud of myself even though I had no clue what it meant. I think that came in about the 10th grade and by then, even though I knew what it meant, I didn’t care. So now I make up words, mostly for the blogs, and sometimes just to get looks. All of that is to say that my most recent word, at least according t...
Define Those Two Kinds of Life Insurance Por Favor!

Define Those Two Kinds of Life Insurance Por Favor!

I get asked a lot of a particular condition is high risk or impaired risk and it just occurred to me that those people perceive themselves to be high risk because no insurance companies want to carry the policy on them. Please forgive me and understand that I know my blog posts are a little blurred right now as I try to get used to some new meds. All of you with bipolar raise your hand if you agre...
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...
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...
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...
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