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
Does A Decline On Life Insurance In MIB Hurt Your Chances?
I am currently working with a life insurance client who has yet to give me his real last name because he is so concerned that information he provided me just to shop his case will end up in MIB and ruin forever his reputation and chances of getting a fair shake at life insurance. In ...read more
Chalk Up Another Bipolar Life Insurance Win!
I just want to go on record as saying I don’t write this kind of post to brag. I share these victories occasionally to help keep the hope alive for so many with bipolar disorder or other mood disorders who have been declined or abused with a high rating for no other reason than they ...read more
Bipolar Disorder Life Insurance Still Going Strong!
Gosh. It’s been a while since I’ve talked about bipolar disorder life insurance and the continued success we are having placing reasonably priced life insurance for bipolar and the whole gamut of mood disorders. Since it has been a while let’s review the basic criteria for placing a bipolar case successfully and with affordable premiums. ...read more
Police And Firemen Catch A Life Insurance Break!
I don’t think you would find a life insurance underwriter that would argue that the mortality risk for police life insurance or firefighter life insurance is higher than the average person on the street. Something about carrying guns and having to use them, dealing with out of control people and putting themselves at risk in ...read more
Some Life Insurance Companies Have Heart!
Allow me one more time to bemoan the good old days when US Financial Life Insurance was still roaming the earth. They doled out good news in life insurance underwriting in their short life span than any other company around. It was called clinical underwriting. Just as a review, most underwriting is done with what ...read more
What If Your Life Insurance Agent Asks You To Lie?
Let me answer the question first and then go on to explain. Tell the agent NO and go find an agent that can deal with the truth, the whole truth and nothing but the truth. I have been helping a client with type 1 diabetes get life insurance. He had been declined by one of ...read more
4 Things To Do If You’ve Had Life Insurance Declined?
Declined life insurance applications leave most clients befuddled and the average agent not knowing what to do next. Was your life insurance declined for a reason that doesn’t make much sense to you? I’ve studied this end of the business pretty extensively. I really had to since it is where most of my business comes ...read more
Five Myths About Life Insurance Declines!
Not a day goes by that I don’t read some “how to” life insurance article that claims that being declined for life insurance is right up there with getting kicked out of the country club. You will just never be OK again! You will be black balled. Being declined is no fun and I know ...read more
Have You Been Denied Life Insurance? Did You Think It Was Fair?
If you have ever had life insurance declined there is no doubt in my mind that you have an opinion as to whether that was a fair decision or not. If you were declined life insurance there is a very good chance that the decision is not one that is shared by all companies. So, ...read more
