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Drug Treatment Life Insurance

Life insurance underwriting of drug treatment has a lot to do with time since treatment and compliance with treatment, ie, abstinence.

When Life Insurance Needs To Be Confidential!

By on October 16, 2012

The life insurance process is by law and by practice a confidential transaction. Life insurance agents shouldn’t be telling anyone about who they are working for and life insurance examiners shouldn’t be telling anyone about who they have examined and home office personnel shouldn’t be telling friends or family whose buying life insurance through their ...read more

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Prescription Drug Abuse Treatment Life Insurance For Physicians!

By on April 11, 2012

While hardly a problem that is restricted to people in the medical fields, simply based on the number of physicians and dentists I have worked with over the past few years, it seems their easy access to the drugs and or ability to write prescriptions is a growing problem. Fortunately for professionals there are treatment ...read more

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12 Things That Most Life Insurance Agents Just Don’t Know?

By on February 28, 2012

I got an email from a life insurance agent today asking me if I could recommend a guaranteed issue life insurance company in Massachusetts. He indicated that he had run into several clients that were uninsurable and wanted to find the best company to write graded benefit guaranteed issue life through. I know I’ve talked ...read more

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How A Trial Quote Can Save The Day!

By on August 23, 2011

I’m currently working on a life insurance case where the client, a physician, sought and completed treatment 4 years ago for prescription drug abuse. We shopped this last year and got an offer from Banner Life. The case was declined in underwriting because they said he had been treated for alcohol and prescription drug abuse. ...read more

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Aargh! The Confusion Of It All!

By on July 27, 2010

Substance abuse treatment and life insurance underwriting are a delicate dance that if done correctly can be both successful in approval and reasonable rates. Having said that, like any impairment, there are parameters that have to be met. Whether self admitted, medically or court ordered, treatment for alcohol, illegal drugs or prescription drugs is taken ...read more

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Do You Really Qualify For The Best Life Insurance Rates?

By on November 10, 2008

They’re the rates you see advertised all the time and they are definitely the rates that everyone would like to be paying for their life insurance coverage. But do you qualify? First let’s dispel with a few old myths. Your age and the amount of insurance have nothing at all to do with whether you ...read more

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Remember That Song?

By on June 7, 2007

A Simon and Garfunkel song with the line, “my lack of education hasn’t hurt me none”. Well that may be just fine for most life insurance agents, but the fact that it hasn’t “hurt them none” isn’t really the point. How many clients are financially damaged every day by life insurance agents who refuse to ...read more

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Alcohol and Drug Abuse Leaves a Life Insurance Hangover!!

By on May 30, 2007

Whether it is youthful indiscretion or taking the wrong route in dealing with with real life grown up issues, alcohol and drug abuse are no stranger to anyone. If we haven’t been there ourselves, we certainly know of someone who has. Some never get past it. Either they avoid treatment or go from program to ...read more

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Another Way to Get Everyone Talking about It!!

By on May 8, 2007

I just read a blog by Jen Creer on www. thediabetesblog.com about teens using the internet as a resource to self educate about their type 1 and type 2 diabetes. Teens (and adults) found out more about the disease, and how to monitor and control it. They found community in the blogs. Somewhere they could ...read more

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Alcohol Abuse and DUI’s!!!

By on April 11, 2007

No there’s a couple of items there that are taken very seriously by life insurance underwriters. During an initial interview with a good independent agent they are going to ask about any history of alcohol abuse, treatment for alcohol or drug abuse and any DUI’s you may have had. May seem a bit invasive for ...read more

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