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Is Gastric Bypass The Answer?

Is Gastric Bypass The Answer?

10 or 15 years ago there was a stigma that went with the decision to have gastric bypass surgery. Many saw it as a lack of resolve on the part of the obese person to just get a grip and lose the weight. It was the easy way out and one that, in the minds of those who weren’t in those shoes, the more dangerous route. Why not just eat less, eat healthy and exercise religiously? What we weren...
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...
The Risk Of The Bird In The Hand Flying Away!

The Risk Of The Bird In The Hand Flying Away!

There is probably nothing a life insurance client hates worse to hear and a life insurance agent hates worse to deliver than the news that an application has been rated at a higher premium than expected. While not the end of the world and certainly, for us, not the end of the search for insurance at the best possible price, it brings up an interesting quandary. If you already have a policy in forc...
Has USAA Life Insurance Gone Bonkers?

Has USAA Life Insurance Gone Bonkers?

I know it’s not funny to the people affected, but when a life insurance company attaches a standard rate risk to someone with mild OCD, well controlled with Prozac, we have a chuckle and then get to work finding them the preferred plus rate they should have received. But to some companies, in this case USAA, if it says standard in the underwriting manual then no matter how absurd the decisio...
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...
Seven Traits Of Bad And Good Life Insurance Agents!

Seven Traits Of Bad And Good Life Insurance Agents!

Who are we to judge, right? We all make mistakes, but hopefully we learn from those and grow to be better agents. But there are some traits that agents have in common who either have very short careers or have a very low retention rate for their customers. We think it’s worth airing some of the dirty laundry or our industry so that you as consumers will know what to watch for (and run from)...
Options If You’re Declined For Life Insurance?

Options If You’re Declined For Life Insurance?

We would just like to buck the trend in life insurance articles and advertising that insinuate that when you are declined for life insurance your only option is to go directly to graded benefit life insurance or guaranteed issue life insurance. When you consider that literally almost all companies will decline you unless you can prove a genetic link to Superman, as in more than 95% of all life ins...
Make A Succession Plan For Your Business!

Make A Succession Plan For Your Business!

There is no lack of advice for small business people, which, if all taken would make your business absolutely worry free, but probably broke too. Having said that and being a small business person myself, one of the things that often gets pushed to the end of the thought process is what happens to your business if you die prematurely. Whether you have a corporation, partnership or some other busin...
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...
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