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Posts Under Cardiac life insurance risk Category

A Funny Thing Happened On The Way To The Doctor

A Funny Thing Happened On The Way To The Doctor

A funny thing also happened while I was losing that extra weight…and getting my cholesterol under control…and changing my diet and exercise routine to get my A1c back down to normal so I could get a better price on life insurance. What happened? NOTHING! Nada! People put off applying for life insurance all the time citing just one thing that they need to get past or get done or get ove...
The Dreaded Abnormal Life Insurance EKG!

The Dreaded Abnormal Life Insurance EKG!

Life insurance exams, at least for those of us over 50 and especially over 60, usually require an ekg. While most come back normal, it isn’t uncommon for a company to decline or postpone the life insurance application because of an abnormal ekg. The whole subject of an abnormal ekg is about as succinct as if you were told you had abnormal labs, but didn’t provide any further detail. Wa...
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...
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...
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...
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...