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Posts Under Approved life insurance Category

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...
HIV Risk Life Insurance Hasn’t Left The Radar!

HIV Risk Life Insurance Hasn’t Left The Radar!

We’ve been relatively quiet for the last month or so as we let the search engines digest all that was fed in concerning the good news about new life insurance approval opportunities for those who are HIV positive and and are keeping the situation well controlled. There was one change since we first broke the news, that being that term life insurance for HIV was removed from the available pro...
The Life Insurance Risk Hidden In Your History!

The Life Insurance Risk Hidden In Your History!

First we (meaning you) need to come to grips with the fact that your medical history isn’t just in your mind, but more importantly for life insurance underwriting, in your medical records. We never work with a client without doing a thorough review of their medical history in the form of questions by us and answers by you. Let’s lay some groundwork for this. We recognize that your miss...
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...
HIV Mortality Risk Now Eligible For $1 Million Life Insurance!

HIV Mortality Risk Now Eligible For $1 Million Life Insurance!

Even six months ago no one in the life insurance industry would have said that it was possible for someone who is HIV+ to get $1 million worth of term life insurance, or for that matter universal life or whole life insurance. Looking at what is offered through guaranteed issue life insurance companies we don’t even see where, even if you were wealthy enough, you could string together enough...
HIV Just Another Life Insurance Impaired Risk?

HIV Just Another Life Insurance Impaired Risk?

We’ve been at the forefront of impaired risk life insurance for years, helping clients with impairments from obesity, sleep apnea and heart disease to skin cancer, diabetes, prostate cancer and breast cancer. For just as long as any other agency out there we were still unable to help anyone who had been diagnosed with or tested on a life insurance exam hiv positive. It was just not a mortali...
Life Insurance For HIV Positive A Reality!

Life Insurance For HIV Positive A Reality!

We laid out a rumor about HIV Positive life insurance with all of the appropriate disclaimers yesterday. “This is a rumor and should be treated as a rumor with no guarantees or warranties as to where it came from, if it contains any truth or is nothing more than a belated April Fool’s joke”. Today we are ready to drop the disclaimer and declare the fact that the HIV life insuranc...
Risk Taken Out Of Context?

Risk Taken Out Of Context?

We try to follow all new developments in life insurance underwriting but as we’ve mentioned several times these developments and changes are coming faster and faster as life insurance companies embrace the truth about early detection of disease and the decreased mortality risk that corresponds. We’ve always been careful to call untested underwriting a rumor until we get an approval to...
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...
Does Your Cardiologist Understand Mortality Risk?

Does Your Cardiologist Understand Mortality Risk?

Oh, if only doctors and life insurance underwriters were from the same planet. Nix that since we can’t change it. Oh, if only life insurance clients could understand better that their cardiologist, urologist, psychiatrist or primary care doc is in the business of making you feel good and life insurance underwriters are in the business of measuring risk as it relates to any number of health i...