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
ING Goes Decidedly Depressive On Bipolar Underwriting!
I’ve talked in the past about how some companies will come on like they want to be the industry leader in a niche, only to fall of the radar completely a year or two later. The supposition on my part is that they either hired a new chief underwriter who put a squash on the ...read more
Somewhere In That Decline Is The Reason For Approval!
I’ve always said that a life insurance decline is really not a bad place to start. Obviously it’s more fun to get approved at the best rate the first time around, but most of my clients come to me because they have health issues. They call or email because they have been declined life insurance ...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
Can You Wrap Your Mind Around How Dumb This Is?
In a post some years ago I was talking about underwriting of mild mood disorders and made a flip comment that it seemed about time that underwriters take another look since most of America and likely most of them were on Prozac or Zoloft or Wellbutrin. Well, I’m not always as effective as I hope ...read more
United Of Omaha Continues To Dominate With FIT Credits!
Table rated term insurance offers continue to tumble to a standard rate with United of Omaha’s health and lifestyle credit method, what they call their Fit test. I continue to be pleasantly amazed at how the company is honoring this commitment to reward good health and lifestyle for those who would normally take a bit ...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
Sleep Deprivation And Heart Attacks?
I know for me that I consider daylight savings time to be a personal attack on my well being, and now there are studies to back it up. There has always been an acknowledged link between sleep deprivation and heart attacks, so it really wasn’t rocket science when someone figured out that the onset of ...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
