Gastric Bypass Life Insurance Perspective!
Let me start out by saying that traditional life insurance underwriting doesn’t reward treatment of health issues. That is as in DOES NOT reward. There are still life insurance companies out there that will whack a client like a golf ball for taking medication to control high blood pressure. It may only be one rate ...read more
Life Insurance Train Keeps Rolling For Bipolar!
I am more amazed every day at the huge misconception there seems to be in our country about the face of bipolar disorder and what it most certainly means when it comes to trying to be approved for life insurance. To give you a sense where most life insurance companies rate bipolar on their underwriting ...read more
A Side Of Skin Cancer Life Insurance Underwriting Rarely Looked At!
I’ve written a lot over the years about the life insurance underwriting of skin cancer. It’s been a mixed bag of good news and bad news depending on whose study life insurance underwriters wanted to use as their mortality test that month, but overall great strides have been made. My blog is littered with the ...read more
Is Accidental Death Insurance Worth The Cost!
Your average run of the mill accidental death policy, or for that matter an accidental death rider on a life insurance policy is, well, not a very good value. The reason those policies are dirt cheap is that the mortality risk for accidental death as opposed to other causes of death is very low. When ...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
We Should All Be Treated For Anxiety!
When i see how some life insurance underwriters treat clients with generalized anxiety, often offering standard rate or worse approvals, I wonder if they’re living in the same country as the rest of us. USA could easily stand for the United States of Anxiety with the roller coaster ride we’ve been on for the last ...read more
Cabin Fever Or Situational Depression?
The country is in the throes of one of the worst overall winters I’ve seen in a long time. The Midwest and Northeast have been pounded unmercifully and places like Oklahoma and Texas who occasionally see a dusting of snow and cool weather have been buried in snow and flirted with zero degrees. It used ...read more
Bipolar Disorder Life Insurance Underwriting!
If you have bipolar disorder and have applied for life insurance then you might assume that life insurance underwriting of bipolar disorder is very straightforward. You apply. You tell them you have bipolar disorder. You get declined. With most companies it really is just that straightforward. All life insurance companies choose underwriting areas that they ...read more
Juvenile Type One Diabetes Life Insurance??
Those who follow my blog have seen this battle going on for years. I will admit that the steady stream of “no ways” that I have received occasionally dampens my enthusiasm, but an email I received this morning has prompted a resurgence in my efforts. The email. “I am a mother trying to find life ...read more
