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The End Product Of Life Settlements Is Life Insurance At Risk!

The End Product Of Life Settlements Is Life Insurance At Risk!

This is a subject that has gone from a peripheral nuisance 10 years ago to having a wide ranging impact on the way we do business today. Being in impaired risk with the bulk of our clients being moderately to highly rated when they buy their policies, we have had to add to our discussions about the aspects of their life insurance that the life settlement lure may come their way one day. A small he...
Does Your Life Insurance Agent Seem Sure?

Does Your Life Insurance Agent Seem Sure?

In the world of impaired risk and high risk life insurance one thing you don’t want in your corner is an agent that isn’t sure they can come through or an agency that doesn’t take time to shop your case. Risk Life has been in this arena long enough to know that no one company can be counted on to be the best every time and an agent that doesn’t understand your risk and doesn’t know what...
Declined For Life Insurance? Where Do You Go Now?

Declined For Life Insurance? Where Do You Go Now?

We can’t even to begin to imagine the number of life insurance policies that are declined each day. It has to be some staggeringly huge number and here at Risk Life we wish there was some way to collect them all, bandage the wounds and help get them the approved life insurance they deserve. The truth is that if your life insurance application involves some impaired risk, some health issue, just...
Prostate Cancer Risk Life Insurance Underwriting!

Prostate Cancer Risk Life Insurance Underwriting!

Prostate Cancer isn’t just common in men. It’s been said that most men will have prostate cancer before they die, and many of them will never know it. The reason is that a low stage, low grade prostate cancer may not impact your life or really your health, at all. A man could literally have prostate cancer that could be detected in his 60’s but never know it because, in the absence of sympto...
Mood Disorder Risk Life Insurance!

Mood Disorder Risk Life Insurance!

The life insurance industry has managed to hold off progress in mood disorder risk underwriting for way past a time period that would indicate that they were just being cautious, but in many ways their understanding or lack of it is nothing more than a mirror of society. In the 21st century it’s clear that some of the stigma that comes with being a touch mentally out of balance is gone. But not...
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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