The Life Insurance Penalty For Pro Activity!

Coming off a post just a few days ago where I beat the compliance drum into a lather because that is what life insurance underwriters want to see, I turn around and shop a case where all of the underwriters fly in the very face of what they said and what I repeated. I...

Why Is A Life Insurance Standard Rate So, Standard?

There is absolutely nothing wrong with being approved for life insurance at a standard rate class or higher, unless you qualify for a better rate class through another company. There are a large number of companies that don’t even offer multiple rate classes....

OK. I Get It, But Is It Going To Kill You?

I guess on some level I get that if you have coronary artery disease, you will always have it and I get that people with early onset CAD, actuarialy life insurance speaking are a worse life insurance risk than someone who is diagnosed, say, in their 50’s. But...