The Quickest Route To Non Smoking Life Insurance Rates!
I had a call today from a couple who had stepped up to the plate a little over two years ago when they decided it was time to have a baby and they quit smoking. Now these weren’t real serious cigarette smokers, maybe smoking one in the evening or if they were out with friends ...read more
Best Smoking Rates On Life Insurance!
As independent life insurance agents there is a kind of longing for the good old days when US Financial offered non smoking rates to social smokers and when CNA would issue a policy to a smoker at non smoking rates, with the caveat that they had to quit smoking within four years. Those two deals ...read more
Top 10 Excuses For Lying On Your Life Insurance Application!
You have to understand that life insurance agents don’t get paid unless they deliver an approved policy and the policy is paid and put into force. So the lies (incorrect answers) that clients in answer to life insurance application questions generally impact us because what they really wanted was to lie and get away with ...read more
Seven Reasons For Thinking About What You Say!
I was reading an article on MSN Health yesterday about how to talk to your doctor. It struck me that the same things would hold true for how to talk to a life insurance (or health insurance) agent. It also reminded me of previous posts where I’ve talked about how the average medical records are ...read more
Get Er Done!
I’ve heard the excuses for not getting that life insurance bought, and I’ve had plenty of people not return calls because they know their excuses are lame. I want to put it off until I lose a little more weight! I don’t want to apply until I’ve been a non smoker for a year! My ...read more
The Medical Record Hangover!
Medical records should be an accurate account of each visit, test or procedure and nothing else…emphasis on accurate. The problem is that there really is no appreciation in the medical business for just how much damage can be done from medical record inaccuracy. When is the last time you looked, I mean really reviewed, your ...read more
One Company’s Trash Is Another’s Treasure!
I’m often asked whether being declined for insurance, or highly rated, will influence how another company looks at a new application. The answer is truly an emphatic NO! Each company has their own underwriting criteria and their own philosophy and their medical director has their own opinion on health issues and what it all turns ...read more
You Can’t Have Your Cake And Eat It Too When Weight Is The Issue!
Like smoking, another issue that gets a lot of interest in life insurance but very little follow through, is weight. I’ve offered several posts concerning companies that will underwrite obesity at fair rates. I’ve also mentioned frequently that what is fair for someone 6’1, 394#’s is not going to be the same as what is ...read more
Hello! I Mean Really, Hello!
I would be the last person in the world to say that habits are easy to change, especially bad, life long, ingrained habits. But no kidding, there are some cases I really can’t wrap my mind around. The one that caught my “you’ve got to be kidding” attention today was a 68 year old man ...read more
