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Let’s Meet In The Middle On Business Life Insurance!

Let’s Meet In The Middle On Business Life Insurance!

It happens all too often so we might as well divulge the antidote to one of the most common problems with business life insurance. What happens when the bank mandates, your partnership, or the board of directors of your company tell you that you need life insurance to protect the liquidity of your company, and your personal health or maybe your lifestyle or hobbies make that task much easier said...
Five Step Quick Guide To Business Life Insurance!

Five Step Quick Guide To Business Life Insurance!

There really isn’t any magic to business life insurance. Just like personal life insurance you pay a premium (payment) to an insurance company so that if or when you pass away your beneficiary won’t be stuck in a financial bind. The difference is subtle. One is all about making sure your family doesn’t have to liquidate everything they have just to move on with life. Business lif...
Compliance Trumps Life Insurance Risk!

Compliance Trumps Life Insurance Risk!

As we were reviewing a new case it occurred to us that how much a client cares about a health issue, how compliant they are with medical recommendations, is more than half the battle in finding the best possible life insurance rates for their situation. This client is an absolutely stellar example of that kind of compliance and how the medical issue he is dealing is, well, not going to be the deat...
The Dreaded Abnormal Life Insurance EKG!

The Dreaded Abnormal Life Insurance EKG!

Life insurance exams, at least for those of us over 50 and especially over 60, usually require an ekg. While most come back normal, it isn’t uncommon for a company to decline or postpone the life insurance application because of an abnormal ekg. The whole subject of an abnormal ekg is about as succinct as if you were told you had abnormal labs, but didn’t provide any further detail. Wa...
High Stress Professionals At Risk Of High Stress Life Insurance Rates!

High Stress Professionals At Risk Of High Stress Life Insurance Rates!

It doesn’t take much imagination to see that we are a nation of stressed out folks. Maybe we’re a little whiny when you consider that as bad as it gets here is probably very comparable to as good as it gets in some other countries, but we’ve created this fast paced, high stress society and if you aren’t a participant in the stress you aren’t participating in the ups...
Business Life Insurance At the Highest Levels!

Business Life Insurance At the Highest Levels!

Business uses for life insurance tend to be the elephant in room that no one wants to talk about. He’s there. He’s real and huge, and he has the ability to stomp the life out of a company, but Executives and Boards of Directors often skirt the issue of life insurance unless it is required to do business. We have an accountant that has been trying to get the two partners of a $14 millio...
When The CEO Isn’t A Life Insurance Poster Child!

When The CEO Isn’t A Life Insurance Poster Child!

Executives of companies, in spite of the fact that they have professionally “made it”, don’t necessarily have every life category nailed and like the rest of us who are over age 50 or 60, may not be a poster child for $12 a month life insurance. The truth is that depending on the company only about 10% to 15% of people qualify for the best life insurance rates and in spite of C...
CEO Life Insurance Declined?

CEO Life Insurance Declined?

Surely that can’t be right. CEO’s are the rich and powerful and, well, they should just get their way. Right? ,And surely life insurance companies know better than to blow off a center of influence. The average life insurance agents dream about working with CEO’s and executives, but what the average life insurance agent doesn’t dream about or plan for is the case being decl...
The Risk Of Untrue Life Insurance Information!

The Risk Of Untrue Life Insurance Information!

We know that from our end of the impaired risk life insurance business there isn’t much that is more frustrating than working hard on an application only to have it declined because of information the client withheld. It’s an understandable thing that we don’t all remember 100% of our medical history, but there are plenty of clients who kind of skirt around answers or just don...
What Is Too Much Life Insurance Risk?

What Is Too Much Life Insurance Risk?

We had a call today from a man who has been trying and failing to get traditional life insurance (not graded or guaranteed issue) and has stable stage 3 kidney disease. He has been told by all companies he has approached that he cannot get life insurance due to the kidney disease, and to the best of our knowledge that is accurate. The guy was very thoughtful and intelligent and posed great quest...
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