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High Risk And War Zone Life Insurance

High Risk And War Zone Life Insurance

When Risk Life was first approached by a client interested in getting life insurance because they were going to Iraq as a translator, we had done a lot of high risk sports and high risk hobbies but we weren’t sure what to expect as far as what would be covered and what the pricing would be like. We had written travel policies and even kidnap, ransom and extortion policies for some of our life cl...
Does Your Life Insurance Agent Seem Sure?

Does Your Life Insurance Agent Seem Sure?

In the world of impaired risk and high risk life insurance one thing you don’t want in your corner is an agent that isn’t sure they can come through or an agency that doesn’t take time to shop your case. Risk Life has been in this arena long enough to know that no one company can be counted on to be the best every time and an agent that doesn’t understand your risk and doesn’t know what...
Declined For Life Insurance? Where Do You Go Now?

Declined For Life Insurance? Where Do You Go Now?

We can’t even to begin to imagine the number of life insurance policies that are declined each day. It has to be some staggeringly huge number and here at Risk Life we wish there was some way to collect them all, bandage the wounds and help get them the approved life insurance they deserve. The truth is that if your life insurance application involves some impaired risk, some health issue, just...
Prostate Cancer Risk Life Insurance Underwriting!

Prostate Cancer Risk Life Insurance Underwriting!

Prostate Cancer isn’t just common in men. It’s been said that most men will have prostate cancer before they die, and many of them will never know it. The reason is that a low stage, low grade prostate cancer may not impact your life or really your health, at all. A man could literally have prostate cancer that could be detected in his 60’s but never know it because, in the absence of sympto...
The Impact Of Alcohol On Life Insurance Risk!

The Impact Of Alcohol On Life Insurance Risk!

I doubt if we would get any debate if we just laid out there the statement that people who drink more than they ought to probably have a higher mortality risk compared to those who, at most, side with cardiologists who say a glass of wine with dinner is a good thing. It’s when alcohol becomes a habit that has priority in your life, a habit that occasionally causes problems in your life, becomes...
Mood Disorder Risk Life Insurance!

Mood Disorder Risk Life Insurance!

The life insurance industry has managed to hold off progress in mood disorder risk underwriting for way past a time period that would indicate that they were just being cautious, but in many ways their understanding or lack of it is nothing more than a mirror of society. In the 21st century it’s clear that some of the stigma that comes with being a touch mentally out of balance is gone. But not...
Overweight And Obesity Risk Life Insurance Underwriting!

Overweight And Obesity Risk Life Insurance Underwriting!

Like life insurance treatment for lower heights and weights, when you are very overweight, even what would be called morbidly obese, you need to know that you have an agent that knows where to look for the best possible approvals. In another post about build we discussed how at 6’, 215#, the wrong choice of company could make as much as a 30% difference in the rate you pay. Every company has a b...
Life Insurance Risk Based On Height And Weight!

Life Insurance Risk Based On Height And Weight!

One of the more contentious underwriting criteria is that of height and weight. Weight is a sensitive issue on a good day and when a person finds out that they may have to pay more for life insurance because of their BMI , Body Mass Index, it can be downright annoying. We’ve found that that people are more understanding if they are really overweight, even morbidly obese, but when someone’s ins...
Type 1 Diabetes Risk In Life Insurance!

Type 1 Diabetes Risk In Life Insurance!

The underwriting of type 1 diabetes is probably the most written about, but maybe not the most dramatic shift in underwriting, during 2012. Both juvenile onset and adult onset type 1 (in adults) have had spurts of life insurance underwriting success for years and plenty of our clients received the benefit of those spurts. This past year it was like several companies lined up and decided to move fo...
Business Risk. Buy/Sell Life Insurance!

Business Risk. Buy/Sell Life Insurance!

When you’re in business it’s like the floodgates open and out pours every opportunity to buy some kind of insurance you had never even dreamed of. As with all things insurance from the time Gerber is hitting up your parents until your children are trying to keep your Medicare supplements straight, we are inundated with insurance offers that come from every direction. We have no doubt, although...