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The 4th Of July Parade of ADD or  ADHD Challenged!

The 4th Of July Parade of ADD or ADHD Challenged!

You got it. Attention Deficit Driving or Aggressive Disoriented Hyperspeed Driving. I thought I could hide these morons behind simple mood disorder terms and get away with talking about mood disorders and life insurance, but alas I, and more importantly, my Dog, were nearly killed by one of these yesterday. I never tire of the beauty and grandeur of the Heart of the Rockies, that area of Colorado...
Life Insurance Moron Test!!

Life Insurance Moron Test!!

It’s the 4th of July weekend, barely halfway through, and the roads of America are packed with morons and their victims. Forgive the tear that I’m about to go on, but if it steps on your toes you are either a moron that should have stayed home or a victim who thought it safe to drive the byways of their own home turf. Their turf is awash with morons who don’t care about your life...
Define Those Two Kinds of Life Insurance Por Favor!

Define Those Two Kinds of Life Insurance Por Favor!

I get asked a lot of a particular condition is high risk or impaired risk and it just occurred to me that those people perceive themselves to be high risk because no insurance companies want to carry the policy on them. Please forgive me and understand that I know my blog posts are a little blurred right now as I try to get used to some new meds. All of you with bipolar raise your hand if you agre...
When You Climb Higher Than Most SkyDivers Jump From!!

When You Climb Higher Than Most SkyDivers Jump From!!

Since the first half of the twentieth century, about 7,000 people have attempted to climb the tallest peak in the world, and almost 300 of them have perished doing so.  In the high elevations of the Himalayas, death befalls climbers due to a number of different causes including altitude sickness, falls, avalanches and rope accidents.  The slopes of Mount Everest have proved deadly for many decad...
What’s Clear About That?

What’s Clear About That?

It probably never was simple or clear even when it was just US based contractors simply running around Iraq and Afghanistan rebuilding infrastructure and buildings that our armed forces had methodically dismantled. Now, and maybe back then, there are people serving companies in every conceivable dangerous place and war zone in every conceivable dangerous job including anti terrorism consulting (?)...
Crazy Life Insurance Agent! Run For Your Lives!!

Crazy Life Insurance Agent! Run For Your Lives!!

Could it be true? Could the best of the best at mood disorder life insurance have slipped a cog, missed a gear, dropped his paddle in white water rapids and become one of them? One of you? I can tell you that for the last six months my life, my reality has been turned upside down by a little talked about cause of craziness, traumatic brain injury. If there was anything to laugh about in the afterm...
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...
Is The Hep C Risk Gone With The Cure?

Is The Hep C Risk Gone With The Cure?

Life insurance underwriters kind of get caught with their brainiac pants down when something like a cure for Hepatitis C comes along. They’ve had their underwriting stance on the impairment in writing for so long that it’s just what it is and it’s not going to change any more than a star’s name on the walk of fame in Hollywood would be chiseled out and changed. It used to b...
War Zone Life Insurance Buyer Beware!!

War Zone Life Insurance Buyer Beware!!

I only bring this up because a former client of mine, convinced that I had misinformed him, dropped his Lloyds of London Accidental Death and Dismemberment insurance covering him for all acts of war and terrorism. He works as technical support in a forward operating base in Afghanistan and was paying something in the $200 a month range for $500,000 worth of coverage. His wife did her due diligence...
The State Of The State Of US Life Insurance For Foreign Nationals!

The State Of The State Of US Life Insurance For Foreign Nationals!

Let’s start easy because I can tell you that the other end of the spectrum has gotten a lot more difficult and if we don’t have to go there, well, that will be to your benefit. From past posts you know that business life insurance such as key person, business loan collateral and buy/sell funding can be written domestically and internationally as long as there is some tie to the US. Whe...
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