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Big Life Insurance Agencies Don’t Want Do Overs!

Big Life Insurance Agencies Don’t Want Do Overs!

We are currently working with another victim of a large agency where, if they don’t get it right the first time, too bad for you. In this case it was Zander Insurance, sort of on the small end of the big agencies, the recommended agency of Dave Ramsey of Financial Peace University fame. While we have great admiration for Dave and the work he has done to get so many families out of debt, beca...
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...
Life Insurance Risk Based On Height And Weight!

Life Insurance Risk Based On Height And Weight!

One of the more contentious underwriting criteria is that of height and weight. Weight is a sensitive issue on a good day and when a person finds out that they may have to pay more for life insurance because of their BMI , Body Mass Index, it can be downright annoying. We’ve found that that people are more understanding if they are really overweight, even morbidly obese, but when someone’s ins...
Type 1 Diabetes Risk In Life Insurance!

Type 1 Diabetes Risk In Life Insurance!

The underwriting of type 1 diabetes is probably the most written about, but maybe not the most dramatic shift in underwriting, during 2012. Both juvenile onset and adult onset type 1 (in adults) have had spurts of life insurance underwriting success for years and plenty of our clients received the benefit of those spurts. This past year it was like several companies lined up and decided to move fo...
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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