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Choose Your Life Insurance Company With Some Caution!

Choose Your Life Insurance Company With Some Caution!

We know that the Protective Life group of companies, which includes acquisitions such as Chase Life Insurance and wholly owned subsidiaries like West Coast Life and Empire General, have been decidedly customer unfriendly for years. It was four of five years ago that they very quietly removed their GUL, guaranteed universal life, products from their customer options for term conversion. It was done...
Does Universal Sound Big To You?

Does Universal Sound Big To You?

We’ve been working through Lincoln National with a client who wanted two life insurance policies, a $250k term policy for business purposes and $150k term policy for personal insurance. Lincoln Financial has a minimum face amount for term insurance of $250k, so it put us in a bind to meet her $150k need. Lincoln had the best rate class offer by a big enough margin that we really needed to st...
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)...
The Risk In Bad Life Insurance Advice!

The Risk In Bad Life Insurance Advice!

The life insurance is not immune from those who would dispense bad advice 1. Because they don’t know any better or 2. Because they rightly assume that in most cases the client don’t know any better. While life insurance falls somewhat short of rocket science, it does have enough variables to put the agent at a decided advantage over the client. A good example of this is a client of our...
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...
A Better Way To Do Senior Life Insurance?

A Better Way To Do Senior Life Insurance?

Ah, the baby boomers. The largest block of people to turn the corner into seniorhood ever and there is certainly no lack of awareness of that fact in the senior life insurance market. Being among the boomers we feel like there is over 50 life insurance marketing going on that is more than just a little fear based and out of balance in the way it is being presented and marketed. a good example of t...
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...
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...
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...
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