Are Life Insurance Underwriters Stupid, Or What/
I’ve spent significant time in my career in life insurance explaining to clients and potential clients the difference between what an underwriter says and what their doctor has told them. They are often two starkly different opinions and it creates confusion when your doctor says you have the heart of a 30 year old (preferred ...read more
Life Insurance Underwriting Of Seizure Disorders!
With most life insurance agents and most life insurance company underwriters, the mere mention of a history of seizure disorders or epilepsy is enough to bring the conversation and the application to a screaming halt. Not unlike a lot of the less common health issues, the agents don’t know what to ask and the underwriters ...read more
Consider Life Insurance On Your Children?
The whole subject of life insurance on children has a certain “yuk” factor that comes with it. Parents, even those who would be hard pressed to deal financially with the loss of a child, would really prefer not to talk about it. I would like to throw out just a little different spin, a consideration ...read more
When The Going Gets Tough, Pick Your Life Insurance Agent Carefully!
I’ve mentioned many times that the large internet agencies are well equipped to pursue and sell the younger age, completely healthy market. It is, for them, an uncomplicated and easy way to keep the cash flowing. It is much quicker and easier than dealing with older clients that have health issues or for that matter, ...read more
Control The Key To Life Insurance And Seizure Disorders!
Whether it is epilepsy or another seizure disorder, the diagnosis is not necessarily a dead end for life insurance approvals. The key to approval and reasonable rates is control. Seizure disorder is another one of those life insurance issues that evokes a knee jerk reaction from the majority of companies. Their guidelines just simply don’t ...read more
A Heart To Heart Talk About Life Insurance!
There is a common misconception that has floated around for the past 100 years or so of my life that if a person has cardiac problems, a heart attack, or coronary artery disease (CAD) requiring heart bypass surgery or an angioplasty, they are irreparably damaged in their ability to get life insurance, especially affordable life ...read more
New Strides Being Made On Life Insurance Underwriting For Mood Disorders!
I wouldn’t presume to beat a dead horse, but so seldom is there any significant shift in life insurance underwriting that it bears as much good press as it can stand. While life insurance companies have, for a long time, been fairly tolerant of mild situational depression, many companies are now taking a new look ...read more
The Truth Is Out! Bipolar Is Not An Automatic Decline For Life Insurance!
As the word sneaks out a little further each day, I have more and more people contacting me and asking if it’s true. Can they get life insurance at affordable rates even though they have bipolar disorder? I wish I could claim that the answer is unequivocally yes, but that isn’t true for any portion ...read more
Who Really Cares About Life Insurance Blogs?
I just did a quick gut check on my blogging efforts over the past year. Who really cares about what I believe and what I know about life insurance? Who reads this and really believes that I can do what I claim? I have had more than just a little interest in weblogs I’ve posted ...read more
