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Melanoma Life Insurance Risk Reviewed!

Melanoma Life Insurance Risk Reviewed!

It’s probably time to do a refresher on the best life insurance cancer underwriting available these days. Keeping in mind that low stage and grade and completion of treatment are the base that these life insurance approvals stand on, let’s start with melanoma stage 0 or 1 that can get as good as preferred rates and almost never worse than standard plus rates with no previous significan...
Compliance Trumps Life Insurance Risk!

Compliance Trumps Life Insurance Risk!

As we were reviewing a new case it occurred to us that how much a client cares about a health issue, how compliant they are with medical recommendations, is more than half the battle in finding the best possible life insurance rates for their situation. This client is an absolutely stellar example of that kind of compliance and how the medical issue he is dealing is, well, not going to be the deat...
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...
Importance Of Life Insurance Good Health Statement!

Importance Of Life Insurance Good Health Statement!

When life insurance policies are delivered to be put in force, part of the delivery receipt is a statement of good health or good health statement. Essentially it is the company politely asking one more time if there is anything that has come up since the application and exam that is worthy of them taking a look at before finalizing the transaction. We got a call from a client this morning who had...
A LIfe Insurance View Of Smoking Risk!

A LIfe Insurance View Of Smoking Risk!

We sure aren’t going to be breaking news if we say that life insurance companies treat the issue of smoking aggressively. They are keenly aware that smoking causes health issues and exacerbates others and that the combination with certain health issues makes no sense at all. If you are a perfectly healthy smoker you can expect, best case, to pay at least twice as much as a comparable non smo...
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...
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...
What’s A Stage Without A Grade?

What’s A Stage Without A Grade?

We know that occasionally life insurance clients feel like we’re just never satisfied with the amount of information they provide, especially when it comes to cancer diagnosis and treatment risk analysis. We’ve even been told that they are going to go with another agent because that agent didn’t require them to provide so much information. We’re aware, especially when you&#...
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...
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