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Posts Under impaired risk life insurance Category

Define Those Two Kinds of Life Insurance Por Favor!

Define Those Two Kinds of Life Insurance Por Favor!

I get asked a lot of a particular condition is high risk or impaired risk and it just occurred to me that those people perceive themselves to be high risk because no insurance companies want to carry the policy on them. Please forgive me and understand that I know my blog posts are a little blurred right now as I try to get used to some new meds. All of you with bipolar raise your hand if you agre...
Is The Hep C Risk Gone With The Cure?

Is The Hep C Risk Gone With The Cure?

Life insurance underwriters kind of get caught with their brainiac pants down when something like a cure for Hepatitis C comes along. They’ve had their underwriting stance on the impairment in writing for so long that it’s just what it is and it’s not going to change any more than a star’s name on the walk of fame in Hollywood would be chiseled out and changed. It used to b...
Where Is The Risk In Cured Diseases?

Where Is The Risk In Cured Diseases?

Recent medical breakthroughs have brought a cure for Hepatitis C, not remission but cure. This comes just as life insurance companies are finally trying to wrap their minds around the fact that well controlled HIV and well controlled type one diabetes are no longer the killers they once were. And now there are whispers of a cure for HIV on the horizon. If something is cured that means that it isn&...
Business Life Insurance For The Mature Executive!

Business Life Insurance For The Mature Executive!

Business life insurance, whether for the CEO as key man insurance, partners in a business buy/sell agreement, bank loan collateral or stock repurchase plans are a specialty in their own rite, but add businessmen over age 50 or 60 or 70 and things can get complicated. Generally speaking those born in the 70’s and 80’s at least don’t present any health challenges that complicate th...
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...
Foreign National Business Life Insurance Hoops!

Foreign National Business Life Insurance Hoops!

We never cease to be amazed by the way the pendulum of requirements swings for legitimate foreign national business owners who want to buy US life insurance. We get that the pendulum follows the US State Department’s feelings about the safety of countries, but that part of it seems to stay more stable than the issue of the foreign national’s ties to the US. One year life insurance comp...
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...
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...
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...
Five Traits Of A Scumsucking Life Insurance Agent.

Five Traits Of A Scumsucking Life Insurance Agent.

We all get those phone calls where the people obviously have gone through extensive training to be able to ignore anything you say, unless it’s yes, and keep right on talking. It’s called cold calling or telemarketing and the people on the other end don’t get paid for giving up. While we are somewhat out of that kind of high pressure, take no prisoners, sales ballgame in life ins...
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