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Posts Under life insurance Category

Five Reasons To Use Risk Life?

Five Reasons To Use Risk Life?

We’re just another life insurance agency, right? We grew up hearing that “the devil is in the details”, a warning about fine print and less than scrupulous business practices. Think about it though. We don’t disagree that even our own industry is and has been littered with life insurance agents that can’t even spell scrupulous, let alone pull off being it. So, just a...
Any Hidden Clues In This Life Insurance Report?

Any Hidden Clues In This Life Insurance Report?

You know there are times when we feel like we’re just going off based on a gut feel, not that we are, but let’s be real. Life insurance companies and life insurance agents making big commissions aren’t necessarily the best avenue for an unbiased opinion on a product. Occasionally though a piece of information will float to the top that sheds light on reality. We received a releas...
Melanoma Life Insurance Risk Reviewed!

Melanoma Life Insurance Risk Reviewed!

It’s probably time to do a refresher on the best life insurance cancer underwriting available these days. Keeping in mind that low stage and grade and completion of treatment are the base that these life insurance approvals stand on, let’s start with melanoma stage 0 or 1 that can get as good as preferred rates and almost never worse than standard plus rates with no previous significan...
HIV+ Business Life Insurance!

HIV+ Business Life Insurance!

While the traditional companies tanked on their idea of offering life insurance for those with well controlled HIV+, we do have an outlet that can provide life insurance for business purposes for those with well controlled HIV+. The company has the choice of covering or excluding death due to complications of HIV+ in the life insurance policy, but within the following parameters they have leaned t...
Keep That Deal From Collapsing With Instant Business Life Insurance!

Keep That Deal From Collapsing With Instant Business Life Insurance!

At least once a week we get a call from a business that is about to lose a loan opportunity, sometimes even a chance to sell or merge the company, but they’ve been declined for life insurance that would be collateral. They are out of time and can’t afford to go through a whole new underwriting process. The bank or the buyer are ready to close and the life insurance needs to be in place...
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 Ethical World Of Life Insurance Sales!

The Ethical World Of Life Insurance Sales!

It’s amazing to us that, by law, we have to complete annual continuing education, and a portion of that every year has to include education on ethical relationships with customers and ethical practices in sales and service of life insurance clients. That is the teeth in the matter as far as the National Association of Insurance Commissioners is concerned. We occasionally read about someone g...
Sorry! Can’t Do Life Insurance For Mercenaries!!

Sorry! Can’t Do Life Insurance For Mercenaries!!

Obama has declared no boots on the ground enough times that we can be sure of one thing. If boots are seen on the ground he won’t have directly ordered that to happen. And I’m not saying that Obama lies, very often, but is it a coincidence that we got a call the other day from a Civilian Contractor who had put together a small army of ex US military guys that were going to work as sold...
Is Your Anxiety Really A Life Insurance Mortality Risk?

Is Your Anxiety Really A Life Insurance Mortality Risk?

Mood disorders have varying degrees of control just like any physical disorder. If you are type 2 diabetic and have an A1c that stays in the mid 6’s because you tend to the business of monitoring and treating the disease, it’s considered well controlled by life insurance underwriters and is rewarded with better approved rates than if your A1c averaged 8.5. If you used to weigh 250 poun...
Breaking The Life Insurance Ice With Alaska’s Fishermen!

Breaking The Life Insurance Ice With Alaska’s Fishermen!

We’ve been a leader in acquiring life and accidental death and dismemberment insurance for people with dangerous hobbies and dangerous careers for years and recently we helped a crab fisherman from Alaska get $100,000 in coverage, something that he and his girlfriend had kind of written off assuming no one would do it. For us and the underwriters with Lloyds of London there wasn’t a hu...