Declined Life Insurance Doesn’t Lead To More Declined Life Insurance!
There is this perverse notion, an urban legend if you will, that if you get declined for life insurance you become life insurance toast from then on. You might as well buy accidental death insurance and just hope that space junk and not cancer is the cause of your demise. I had a client just ...read more
Can You Get Life Insurance Shortly After A DUI?
The rule of thumb for single DUI incidents has always been that new life insurance coverage just isn’t available until you’re a year out from your finger missing your nose, your liver functions are normal and there is no history of alcohol abuse. Or at least that’s what I thought the rule of thumb was. ...read more
How To Handle That Life Insurance Curveball!
If life and life insurance was all simple there wouldn’t be any bumps in the road. We would all have the coverage we need when we need it and Dorothy would be singing Somewhere Over The Rainbow in the background. Truth is that most of the time with life insurance it is that way. People ...read more
So, What’s The Road To The Best Life Insurance Rates?
I’m often asked, after the fact, what it takes to get the best life insurance rates. While I would be hard pressed to cover everything that could be hiding in your medical records, I can provide a general rundown based on the exam, labs, family and personal history. Generally a person can’t have used any ...read more
How Do You Hit A Moving Target?
I very seldom “go off” on individual life insurance companies. Our experience in the impaired risk market is that company underwriting can go through cyclical changes, so we have learned to stay away from companies who aren’t being consistent until they get their legs back under them. A problem arises when a new company comes ...read more
Life Insurance And Alcohol Or Drug Abuse!
If you want to get a life insurance underwriter’s attention, talk about your history of alcohol or drug abuse. Tell them about your DUI or history of DUI’s. A good independent agent is going to ask about any history of alcohol abuse, treatment for alcohol or drug abuse and any dui’s you may have had. ...read more
Clever Lawyers Don’t Impress Life Insurance Underwriters!
When is DUI not a DUI? Trick question? Well, of course it is. The answer is never even if your attorney was able to plea bargain your DUI by having you plead no contest to DWS, driving while stupid. Clients will, and honestly in their mind, answer no to the question of having been charged ...read more
It Must Be Altitude Sickness!
I really think there must be some confusion. Men’s Health has decided that Denver and Colorado Springs, Colorado’s two largest cities, are respectively the number one and number three drunkest cities in the country. Ouch!! Right up front I want you to understand that I am a Colorado patriot of sorts, except for the Broncos. ...read more
If Weight Was Everything……
Not too long ago while writing on the obesity problem in America I ran across a state by state breakdown that showed my home state, Colorado, as being one of the 4 leanest states in the country. I wasn’t too surprised, as we are kind of an exercising, outdoorsy bunch. Then last night I heard ...read more
Is There Any Question?
Just when I think I’ve heard it all concerning how stupid or dangerous drinking can be, here we go…….I was too drunk to drive so I had my son drive! But the son was 13 and was drunk also! The son was charged with DUI. Bottom line. No life insurance company I can think of ...read more
