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Be A Life Insurance Hero!

Be A Life Insurance Hero!

I know I normally complain that most life insurance agents really don’t know what they’re doing and or how best to serve their clients, and I’ll stick with that just because according to a LIMRA study there are about 300,000 life insurance agents in the country. I would be amazed if 5% of those are life insurance agents worthy of being in the category of life insurance profession...
Declined For Business Life Insurance?

Declined For Business Life Insurance?

In business succession planning there are several ways that life insurance isn’t just a good idea, but is required. If your banker says they will loan you $3.5 million to expand your business, that’s great news. If they tell you that a life insurance policy will be required as collateral and you know ahead of time that you can’t get approved, such as a CEO who is HIV+, or you fin...
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...
Foreign National Business Life Insurance Hoops!

Foreign National Business Life Insurance Hoops!

We never cease to be amazed by the way the pendulum of requirements swings for legitimate foreign national business owners who want to buy US life insurance. We get that the pendulum follows the US State Department’s feelings about the safety of countries, but that part of it seems to stay more stable than the issue of the foreign national’s ties to the US. One year life insurance comp...
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...
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...
Is That Decline Because Of High Risk Or Impaired Risk Life Insurance?

Is That Decline Because Of High Risk Or Impaired Risk Life Insurance?

Since we partnered with Hinerman Group, one of the leading impaired risk life insurance outlets in the country, bringing high risk and impaired risk together has been, well, interesting. What it comes down to is that when a life insurance customer is declined somewhere, since they really don’t think of the different life niches the way we do, they just know they must be a risk. What they can...
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...
When You Should Consider The Risk!

When You Should Consider The Risk!

It’s really the same old questions. Who should have life insurance? When should you get life insurance? How much life insurance is enough? The problem is that there are far too many people out there that aren’t even asking the questions. To say we are amazed that there are tens of millions of men with wives and children who won’t leave anything behind to help them out if they die...
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...