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Posts Under declined life insurance Category

Life Insurance AntiMissionarianism!

Life Insurance AntiMissionarianism!

I remember when I learned to spell antidisestablishmentariansim. 6th grade. I was way proud of myself even though I had no clue what it meant. I think that came in about the 10th grade and by then, even though I knew what it meant, I didn’t care. So now I make up words, mostly for the blogs, and sometimes just to get looks. All of that is to say that my most recent word, at least according t...
The State Of The State Of US Life Insurance For Foreign Nationals!

The State Of The State Of US Life Insurance For Foreign Nationals!

Let’s start easy because I can tell you that the other end of the spectrum has gotten a lot more difficult and if we don’t have to go there, well, that will be to your benefit. From past posts you know that business life insurance such as key person, business loan collateral and buy/sell funding can be written domestically and internationally as long as there is some tie to the US. Whe...
Now or Never Life Insurance!

Now or Never Life Insurance!

Sounds a bit like a sales close doesn’t it? But this is coming from the buyer, not the life insurance agent. It happens more than you might think with business life insurance where a loan that needs life insurance collateral is needed now, not later. If it isn’t acquired now, the opportunity for a loan, a new business, an important acquisition or a strategic business move might be miss...
Breathing New Life Into Missionary Life Insurance!

Breathing New Life Into Missionary Life Insurance!

We get that life insurance companies aren’t really against Christians and we understand that’s not why they are so wary about underwriting missionaries. The underwriting truth with traditional life insurance companies is that Christians are persecuted all over the world and in some parts of the world that persecution can lead to an untimely death. They will decline to offer coverage. M...
When Your Agent Says That Can’t Be Done!

When Your Agent Says That Can’t Be Done!

When I get a phone call or an email from someone saying that they’ve been told by their life insurance agent or even multiple life insurance agents that their situation just can’t be approved and covered, well, game on. While there is a possibility that the client might not be able to get traditional life insurance, that is far more rare than you might think, and in those cases in almo...
Be A Life Insurance Hero!

Be A Life Insurance Hero!

I know I normally complain that most life insurance agents really don’t know what they’re doing and or how best to serve their clients, and I’ll stick with that just because according to a LIMRA study there are about 300,000 life insurance agents in the country. I would be amazed if 5% of those are life insurance agents worthy of being in the category of life insurance profession...
Declined For Business Life Insurance?

Declined For Business Life Insurance?

In business succession planning there are several ways that life insurance isn’t just a good idea, but is required. If your banker says they will loan you $3.5 million to expand your business, that’s great news. If they tell you that a life insurance policy will be required as collateral and you know ahead of time that you can’t get approved, such as a CEO who is HIV+, or you fin...
How Do Life Insurance Companies Feel About Your DUI? Both Of Them?

How Do Life Insurance Companies Feel About Your DUI? Both Of Them?

It wasn’t that long ago that if you wrote DUI on a life insurance application it would automatically burst into flames. Why allow it to make it to an underwriter when it was an automatic decline, almost no matter how long ago it was. There used to be a company called Federal Kemper that felt so strongly that the life insurance liver function GGT was an indicator of a life time of drinking th...
Is That Decline Because Of High Risk Or Impaired Risk Life Insurance?

Is That Decline Because Of High Risk Or Impaired Risk Life Insurance?

Since we partnered with Hinerman Group, one of the leading impaired risk life insurance outlets in the country, bringing high risk and impaired risk together has been, well, interesting. What it comes down to is that when a life insurance customer is declined somewhere, since they really don’t think of the different life niches the way we do, they just know they must be a risk. What they can...
HIV+ Business Life Insurance!

HIV+ Business Life Insurance!

While the traditional companies tanked on their idea of offering life insurance for those with well controlled HIV+, we do have an outlet that can provide life insurance for business purposes for those with well controlled HIV+. The company has the choice of covering or excluding death due to complications of HIV+ in the life insurance policy, but within the following parameters they have leaned t...
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