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Posts Under mortality risk Category

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...
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...
Where Is The Risk In Cured Diseases?

Where Is The Risk In Cured Diseases?

Recent medical breakthroughs have brought a cure for Hepatitis C, not remission but cure. This comes just as life insurance companies are finally trying to wrap their minds around the fact that well controlled HIV and well controlled type one diabetes are no longer the killers they once were. And now there are whispers of a cure for HIV on the horizon. If something is cured that means that it isn&...
Breathing New Life Into Missionary Life Insurance!

Breathing New Life Into Missionary Life Insurance!

We get that life insurance companies aren’t really against Christians and we understand that’s not why they are so wary about underwriting missionaries. The underwriting truth with traditional life insurance companies is that Christians are persecuted all over the world and in some parts of the world that persecution can lead to an untimely death. They will decline to offer coverage. M...
Don’t Leave Home Without It!

Don’t Leave Home Without It!

And if you’re already did, shoot us an email and we can get it done via email. If you have any questions call or email us. We can help……… Well, showed the boss the rough draft and he said I was a little short on details. Are you going to work somewhere dangerous, a crab boat or a war zone, or a crab boat in a war zone? Are you already crab fishing in a war zone? Are you a p...
How Do Life Insurance Companies Feel About Your DUI? Both Of Them?

How Do Life Insurance Companies Feel About Your DUI? Both Of Them?

It wasn’t that long ago that if you wrote DUI on a life insurance application it would automatically burst into flames. Why allow it to make it to an underwriter when it was an automatic decline, almost no matter how long ago it was. There used to be a company called Federal Kemper that felt so strongly that the life insurance liver function GGT was an indicator of a life time of drinking th...
Life insurance Twilight Zone!

Life insurance Twilight Zone!

Imagine our surprise after posting our opinion about Obama’s no boots on the ground stance yesterday to watch the news last night and see a former US soldier now fighting with, working for the Kurdish military. While there isn’t any coverage we can offer former US soldiers taking on these jobs, we still have the best war zone coverage available for civilian contractors. And as if we ne...
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...
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...
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