Life Insurance Decline For ADD or Anxiety Or Mononucleosis? Get Real!
What a cold, cruel world we live in. Most of the time I am not surprised when someone calls because they they have been approved at a standard rate, sometimes a little worse for things like ADD, ADHD, mild anxiety or depression. A few days ago I got a call from someone who had been ...read more
Top Ten Reasons For A Declined Life Insurance Application!
I suppose there are a few people who apply and know for a fact that they will be declined life insurance coverage. I’ve actually had calls from people who were in the hospital having just undergone heart bypass surgery. They asked about getting life insurance, and while we could certainly get there with time and ...read more
Just When You Thought You Were Healthy!
I’ve had health change surprises come out of nowhere before. I can still remember 30 years ago seeing the doctor for some innocuous thing and he did a blood workup. The result was a diagnosis of Raynauds disease. I was in my late 20′s and felt pretty good. I was healthy and running several miles ...read more
Is Hepatitis C A Death Blow To Life Insurance?
Well, no…..or maybe yes……it all really depends. I hope this information has been helpful. Seriously though, underwriting of Hepatitis C really comes down to a few key factors. First, is the disease in remission and second, how much damage has the liver sustained? Remission, if achieved, usually comes after treatment with interferon. The goal, the ...read more
Life Insurance Declines! Why Do They Happen?
When you apply for life insurance it is not a given that you will get what you want or what you believe you deserve. By far the majority of policies are approved with no surprises. A smaller percentage are approved but at a different rate. And a small percentage are declined by the insurance company ...read more
When It’s Time To See A Specialist!
There must be a couple of million people in the US licensed to sell life insurance. If you take in the giant internet mega agencies, all of the independent agents, and all of the captive agents (work for just one company), the possibilities for purchasing life insurance become staggering. Put in context, there are probably ...read more
Barry Bonds And Life Insurance!!
Barry Bonds now has more home runs than anyone in history. 756!! I tried hitting 50 mph balls in a batting cage one time and hit like one out of twenty or so and it was not home run material. I’m impressed. Some people say he got there with the use of steroids. I won’t ...read more
Will Avandia Hurt Life Insurance Rates For Diabetes?
The old axiom “the cure is worse than the disease” may hold some truth from a life insurance underwriting standpoint. I can’t imagine an underwriter that would give equal consideration to well controlled diabetes if the control is at the risk of a drug induced heart attack. With the FDA voting 22 to 1 to ...read more
Hepatitis C! How To Find Good Life Insurance Rates!
Hep C is the most common chronic blood borne infection in the United States. The insidious nature of the disease is such that often people will not experience symptoms for years, even decades, after they are infected. Life insurance underwriting for Hep C is a careful process and is really broken down into two parts. ...read more
