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The Nature Of Life Insurance Exclusions!

The Nature Of Life Insurance Exclusions!

Wouldn’t it be nice if there was just one risk that was messing up your life insurance application, say, travel to slightly dangerous places for work, if you could just ask the company to exclude foreign travel. After all, you can buy travel insurance for anything from a vacation to working as a civilian in a war zone so if your base policy excluded travel then you could still package togeth...
DUI Risk In Life Insurance!

DUI Risk In Life Insurance!

Life insurance underwriters make it quite clear that the mortality risk associated with DUI and for sure multiple DUI’s  is substantial. With one exception we haven’t found any companies that will even approve a policy for someone with a DUI in the first year. Most start opening the door for a single instance at three or five years out from the incident as long as there isn’t a...
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...
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