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Posts Under Health risk Category

ADD And ADHD Life Insurance Risk?

ADD And ADHD Life Insurance Risk?

It has occurred to us that while life insurance companies certainly try to squeeze all the minor mood disorders into one box that they either have it wrong or they are using the wrong box. Let’s consider the life insurance underwriting for depression, anxiety and ADD or ADHD. While there are a hand full of top notch underwriters who agree with us, the majority fit this scenario very well. We...
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...
Merry Christmas Life Insurance!

Merry Christmas Life Insurance!

It’s not even Black Friday and the life insurance industry has just provided a Christmas gift for cigarette smokers who meet the risk criteria for being a social smoker, occasional smoker or very light smoker. We know there will be some moans when we define what it takes to qualify for this Christmas gift, but it is what it is and for those who make the cut, it’s huge. One of our best...
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...
Sleep Apnea Still Getting Best Life Insurance Rates!

Sleep Apnea Still Getting Best Life Insurance Rates!

We just placed another sleep apnea life insurance policy in force and are working on another sleep apnea application that we expect to get preferred best rates on. This is another one of those life insurance underwriting areas that sees a lot of companies join the team and then quit for no apparent reason. But Prudential hasn’t wavered in their efforts to get those with mild to moderate slee...
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...
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...
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&#...
Managing Your Own Medical Risks!

Managing Your Own Medical Risks!

In this day of over testing, over medication and over reaction on the part of many doctors, who among us doesn’t occasionally provide our own second opinion and decide that we no longer need some treatment, test or medication? Sometimes it’s a budget decision and other times we just don’t how a medication makes us feel or can’t see the need for further on ongoing testing. W...
Will Life Insurance Accept Pancreas Replacement?

Will Life Insurance Accept Pancreas Replacement?

We wrote about a year ago about a patient who had a kidney and pancreas transplant and because of the new pancreas, for the first time since age 12, he was not diabetic. The new pancreas worked perfectly and he no longer needed insulin or any medication, no longer needed to monitor, was able to eat and get on with life with no second thoughts. Today I read an article about an artificial pancreas...
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