Best Life Insurance Rate Available? Are You Sure?
$12 a month! 70% lower life insurance rates! Just pennies a day! Between the internet and tv there can’t possibly be a person left that doesn’t know that somehow, somewhere people might qualify for really cheap insurance. But how do you know when you’ve applied and been approved for a life insurance company’s best rate ...read more
Does Anyone Work For The Customers At Selectquote?
I am about to go off on Selectquote again but let me show you the new kinder, gentler side of my opinionated self. Selectquote handles, from what I’ve heard, about 100,000 applications a year. They’ve been the king of the hill for quite a while so that tells me they probably aren’t messing up every ...read more
Right Life Insurance Agent Equals Right Outcome!
I’ve been writing long enough that I am bound to be a little redundiferous at times, but I don’t think it can be said too many times. If you use the wrong agent to buy life insurance, who picks the wrong company for your situation, you will not enjoy a good outcome. Part of that ...read more
Wake Up! With Sleep Apnea Life Insurance Can Be Affordable!
Plenty of people have experienced the nightmare of applying for life insurance after having been diagnosed with sleep apnea. Many companies treat you as if you really are going to quit breathing and not start again. I can argue both sides of this issue, but suffice it to say that there is good news when ...read more
Mild Sleep Apnea Draws Best Rate Class!!
It wasn’t all that long ago that life insurance underwriters would automatically table rate any sleep apnea, obviously having a problem wrapping their minds around the fact that the client would quit breathing several, if not a lot of times every night. The real problem of course is that, especially in more severe cases, the ...read more
The Snore Heard Round The World!
There’s really nothing quite like it. I mean, there is snoring and then there is the snore of someone with sleep apnea, a primal snore of someone fighting for their life. OK, so that might be a bit too far on the drama side, but the truth is that when you have sleep apnea you ...read more
Out With The Old, In With The New!
There is a tendency for people to just hold on to life insurance once it is in force, even when opportunities to improve on the rate or the term length come up. Most often this happens when their isn’t a servicing agent around to find the better deals and encourage the change. This week I’ve ...read more
New Player In Sleep Apnea Underwriting!
We’ve leaned on Prudential for quite some time for the best underwriting on sleep apnea. Now ING Reliastar has decided they want a piece of that risk pool also. Generally most companies will underwrite mild to moderate obstructive sleep apnea in the standard to slightly rated area. While better rates can be found, those companies ...read more
Don’t Be Too Scared To Ask!
I was working with a client on quotes the other day and he was telling me about a friend who had decided not to even pursue life insurance because he was convinced that he was probably not insurable. You know it’s kind of like that old saying, “The only stupid question is the one you ...read more
Want A Second Opinion?
So, you applied for life insurance and have been postponed or declined because you didn’t complete some, for instance a sleep study test your doctor recommended! Want a second opinion? Don’t waste your time. You’ll get the same answer at the next insurance company. They want to know if you have sleep apnea also and ...read more
