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Options If You’re Declined For Life Insurance?

Options If You’re Declined For Life Insurance?

We would just like to buck the trend in life insurance articles and advertising that insinuate that when you are declined for life insurance your only option is to go directly to graded benefit life insurance or guaranteed issue life insurance. When you consider that literally almost all companies will decline you unless you can prove a genetic link to Superman, as in more than 95% of all life ins...
Are Insurance Lab Results Infallible?

Are Insurance Lab Results Infallible?

Over the years we’ve noticed that there are some lab results that life insurance underwriters will allow a retest on and there are others, viciously to the contrary, that even if they were buried in a truck load of evidence to the contrary they will never admit the possibility of a false positive. Underwriters aside for the moment, every lab result has to have been through multiple human con...
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...
Life Insurance Risk In Your Motor Vehicle Report?

Life Insurance Risk In Your Motor Vehicle Report?

There is a tendency for clients when we go through all the qualifying questions to put their own weight on how important they are. Part of that may be a throw back to the days when databases weren’t all electronic and scary accurate. Growing up we were told that speeding tickets would hurt our insurance rates, but that was before MVR’s, motor vehicle reports, were computerized. The rea...
Big Life Insurance Agencies Don’t Want Do Overs!

Big Life Insurance Agencies Don’t Want Do Overs!

We are currently working with another victim of a large agency where, if they don’t get it right the first time, too bad for you. In this case it was Zander Insurance, sort of on the small end of the big agencies, the recommended agency of Dave Ramsey of Financial Peace University fame. While we have great admiration for Dave and the work he has done to get so many families out of debt, beca...
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...
No Exam Life Insurance? How About No Doctor Life Insurance?

No Exam Life Insurance? How About No Doctor Life Insurance?

It’s pretty common when we’re working with younger clients for them not to have a primary care doctor. Very few of us start seeing doctors on a regular basis, to the point that you could actually call one your primary care doctor, until our parts start giving out. Underwriters are fine with that as long as the labs on your exam come out normal. But there’s a point when life insurance underwr...
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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