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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...
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...
Protective Life Conversion Issues!

Protective Life Conversion Issues!

Having been long ago cut loose from all affiliations with West Coast Life, Protective Life and all of the other companies that Protective has gobbled up over the years, cutting the slack isn’t very high on my agenda. The truth is if I could somehow slip wording into their life insurance policies under the conversion option that said “best read when bending over”, we don’t t...
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...
The Risk Of Dying Today!

The Risk Of Dying Today!

We occasionally run into some writer’s block having written about life insurance and how to get approved in the face of seemingly insurmountable odds from, it seems, every conceivable angle. It is just so important to us to get the word out to all of those who haven’t received a fair shake in life insurance or who think they can’t be approved or it will be too expensive, that tho...
Merry Christmas Life Insurance!

Merry Christmas Life Insurance!

It’s not even Black Friday and the life insurance industry has just provided a Christmas gift for cigarette smokers who meet the risk criteria for being a social smoker, occasional smoker or very light smoker. We know there will be some moans when we define what it takes to qualify for this Christmas gift, but it is what it is and for those who make the cut, it’s huge. One of our best...
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...
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...
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...
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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