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Alcoholism Risk Underwriting

Alcoholism Risk Underwriting

Life insurance underwriters have a number of tools at their disposal to underwrite alcohol abusive and alcohol dependent applicants. Their first hint could come from lab results. The CDT, an alcohol marker, has always been the result of choice used to decline an applicant based on alcohol abuse. The CDT is usually only run as a back up when liver functions are out of normal since heavy drinking ca...
Seven Traits Of Bad And Good Life Insurance Agents!

Seven Traits Of Bad And Good Life Insurance Agents!

Who are we to judge, right? We all make mistakes, but hopefully we learn from those and grow to be better agents. But there are some traits that agents have in common who either have very short careers or have a very low retention rate for their customers. We think it’s worth airing some of the dirty laundry or our industry so that you as consumers will know what to watch for (and run from)...
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...
What Drives The Life Insurance Risk With Bipolar Disorder?

What Drives The Life Insurance Risk With Bipolar Disorder?

The life insurance underwriting world is full of misconceptions, mostly because the average person doesn’t have access to and very likely wouldn’t understand the mortality and actuarial risk assessments that drive life insurance. And all too often life insurance underwriting and medical treatment and advice don’t match. Your doctor can say you’re doing just fine and he̵...
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...
Is Your Doctor Helping Or Hurting Your Life Insurance Application?

Is Your Doctor Helping Or Hurting Your Life Insurance Application?

There is a lot of blaming life insurance underwriters for things that need to be pulled back from that target and laid squarely on your own doctor’s desk. At Risk Life we have found that most people’s records have errors, and a life insurance underwriter will never know it is an error because you don’t even know about and your doctor doesn’t care about it. Probably the most...
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...
Declined For Life Insurance? Where Do You Go Now?

Declined For Life Insurance? Where Do You Go Now?

We can’t even to begin to imagine the number of life insurance policies that are declined each day. It has to be some staggeringly huge number and here at Risk Life we wish there was some way to collect them all, bandage the wounds and help get them the approved life insurance they deserve. The truth is that if your life insurance application involves some impaired risk, some health issue, just...
The Impact Of Alcohol On Life Insurance Risk!

The Impact Of Alcohol On Life Insurance Risk!

I doubt if we would get any debate if we just laid out there the statement that people who drink more than they ought to probably have a higher mortality risk compared to those who, at most, side with cardiologists who say a glass of wine with dinner is a good thing. It’s when alcohol becomes a habit that has priority in your life, a habit that occasionally causes problems in your life, becomes...
Risk Life Insurance Guilty As Charged!

Risk Life Insurance Guilty As Charged!

If Risk Life Insurance is guilty of not doing enough, it would have to be our becoming comfortable with business as it has been, and not sharing more about how high risk life insurance and impaired risk life insurance underwriting works both for and against you. If you’ve ever been declined for life insurance or offered a rate that was three or four times what you expected, you were probably lef...
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