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Over Age 60 Life Insurance Risk!

Over Age 60 Life Insurance Risk!

For any number of reasons those of us over 60 are finding our life insurance needs have changed some from what our parents experienced and really from what our own expectations might have been 20 years ago. Changes in the economic world like the great recession of 2007 are causing some of us to look at sticking with our careers a little longer. Some of us are grandparents and have found ourselves...
What Would Life Insurance Cost Without Risk?

What Would Life Insurance Cost Without Risk?

Another way to approach that question would be to ask just who it is that presents the least risk and how do life insurance companies determine when extra risk is present. The average life expectancy in the US varies from state to state with Mississippi and West Virginia bring up the lower end at around 75, while Hawaii is a full year better than everyone at 82.7. We’ve heard it put other wa...
How Major Is The Life Insurance Risk Of Your Minor Depression?

How Major Is The Life Insurance Risk Of Your Minor Depression?

The question posed and so many other questions like it are the base on which Risk Life and other true impaired risk life insurance agencies are built. The life insurance industry was built on the “bucket underwriting format” where all people with depression or even a past history of depression are put in a bucket that already has a pre-determined underwriting outcome. Essentially the...
HIV Mortality Risk Now Eligible For $1 Million Life Insurance!

HIV Mortality Risk Now Eligible For $1 Million Life Insurance!

Even six months ago no one in the life insurance industry would have said that it was possible for someone who is HIV+ to get $1 million worth of term life insurance, or for that matter universal life or whole life insurance. Looking at what is offered through guaranteed issue life insurance companies we don’t even see where, even if you were wealthy enough, you could string together enough...
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...
Risk Taken Out Of Context?

Risk Taken Out Of Context?

We try to follow all new developments in life insurance underwriting but as we’ve mentioned several times these developments and changes are coming faster and faster as life insurance companies embrace the truth about early detection of disease and the decreased mortality risk that corresponds. We’ve always been careful to call untested underwriting a rumor until we get an approval to...
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...
Low Life Insurance Rates Cost Someone More!

Low Life Insurance Rates Cost Someone More!

Coming on the heels of another rate decrease by one of the leading term life insurance companies we have raised the question with some companies, if the best rates are going down, whose pocket is that coming out of. We understand that making your best two rate classes more competitive lures more healthy young people with less risk, but when you lower the profit margin at that point, don’t yo...
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...
Are You Feeling A Little Anxious These Days?

Are You Feeling A Little Anxious These Days?

We’ve talked over the years about how a little anxiety or a little depression seems like an appropriate response to the world and especially the country we live in. We live in a country where type A work personalities are given gold stars and where the non stop feeding tube of TV provides any number of reasons on any day to be feeling a little down. Take today for instance. We’re about...
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