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CEO Life Insurance Declined?

CEO Life Insurance Declined?

Surely that can’t be right. CEO’s are the rich and powerful and, well, they should just get their way. Right? ,And surely life insurance companies know better than to blow off a center of influence. The average life insurance agents dream about working with CEO’s and executives, but what the average life insurance agent doesn’t dream about or plan for is the case being decl...
HIV Life Insurance For High Net Worth Clients!

HIV Life Insurance For High Net Worth Clients!

Now that there is traditional life insurance available for those who are HIV positive and meet reasonable requirements, it’s time to talk more in depth about who this turn of events will most impact. When we were first told about this breakout underwriting change we were told that there were going to be two companies and that one would be offering only permanent life insurance and the othe...
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...
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...
When Business Life Insurance Isn’t Just An Option!

When Business Life Insurance Isn’t Just An Option!

There are times in business when it would be nice of have life insurance and then there are times when there really is no other choice, life insurance is the answer to a business question and nothing else will meet that need. This usually isn’t a big deal until you run into an unusual situation that doesn’t fall into normal underwriting parameters. But what happens in, for instance, th...
The Nature Of Life Insurance Exclusions!

The Nature Of Life Insurance Exclusions!

Wouldn’t it be nice if there was just one risk that was messing up your life insurance application, say, travel to slightly dangerous places for work, if you could just ask the company to exclude foreign travel. After all, you can buy travel insurance for anything from a vacation to working as a civilian in a war zone so if your base policy excluded travel then you could still package togeth...
Make A Succession Plan For Your Business!

Make A Succession Plan For Your Business!

There is no lack of advice for small business people, which, if all taken would make your business absolutely worry free, but probably broke too. Having said that and being a small business person myself, one of the things that often gets pushed to the end of the thought process is what happens to your business if you die prematurely. Whether you have a corporation, partnership or some other busin...
Business Risk. Buy/Sell Life Insurance!

Business Risk. Buy/Sell Life Insurance!

When you’re in business it’s like the floodgates open and out pours every opportunity to buy some kind of insurance you had never even dreamed of. As with all things insurance from the time Gerber is hitting up your parents until your children are trying to keep your Medicare supplements straight, we are inundated with insurance offers that come from every direction. We have no doubt, although...
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