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HIV+ Life Insurance. The Way It Is!!

HIV+ Life Insurance. The Way It Is!!

If you have well controlled HIV I have been a part of your life for several years now as we have worked to get life insurance companies to put the HIV+ risk in real mortality context and offer it at a rate they can live with and you can afford. Over the past two years, as we have gotten closer and closer and now are getting the life insurance approvals we have worked so hard to nail down, you have...
A Funny Thing Happened On The Way To The Doctor

A Funny Thing Happened On The Way To The Doctor

A funny thing also happened while I was losing that extra weight…and getting my cholesterol under control…and changing my diet and exercise routine to get my A1c back down to normal so I could get a better price on life insurance. What happened? NOTHING! Nada! People put off applying for life insurance all the time citing just one thing that they need to get past or get done or get ove...
So Pot’s Legal Some Places. Does Life Insurance Care?

So Pot’s Legal Some Places. Does Life Insurance Care?

We’ve had a few questions coming from Colorado and Washington about life insurance stance on marijuana use since both states have legalized recreational use. We put the question out to all the life insurance companies we represent and I am writing this as the answers come in. What I think we’ll find is that legality will make some changes but, like alcohol, they are going to roll over...
The Life Insurance Risk Hidden In Your History!

The Life Insurance Risk Hidden In Your History!

First we (meaning you) need to come to grips with the fact that your medical history isn’t just in your mind, but more importantly for life insurance underwriting, in your medical records. We never work with a client without doing a thorough review of their medical history in the form of questions by us and answers by you. Let’s lay some groundwork for this. We recognize that your miss...
Life Insurance For HIV Positive A Reality!

Life Insurance For HIV Positive A Reality!

We laid out a rumor about HIV Positive life insurance with all of the appropriate disclaimers yesterday. “This is a rumor and should be treated as a rumor with no guarantees or warranties as to where it came from, if it contains any truth or is nothing more than a belated April Fool’s joke”. Today we are ready to drop the disclaimer and declare the fact that the HIV life insuranc...
The Life Insurance Medical Record Quagmire!

The Life Insurance Medical Record Quagmire!

If everyone would just go to one doctor, or if they can’t accommodate that if they could at least make sure that copies of any other records end up in their primary care doctors records. There, we’ve satisfied our need for a little whine, but for anyone with a health history of any consequence it takes an extra effort on the part of the agent and client to make sure that the life insur...
Are Insurance Lab Results Infallible?

Are Insurance Lab Results Infallible?

Over the years we’ve noticed that there are some lab results that life insurance underwriters will allow a retest on and there are others, viciously to the contrary, that even if they were buried in a truck load of evidence to the contrary they will never admit the possibility of a false positive. Underwriters aside for the moment, every lab result has to have been through multiple human con...