The Need To Talk In A Cyber Life Insurance World!
This is just a spin on a talk I have with my granddaughter at least once a week. We have become a disconnected world where people no longer see the logic in a conversation unless it is done electronically, and no longer see the need to enjoy the outdoors because they are too entertained indoors. ...read more
Is It Really High Risk Life Insurance?
The term high risk gets thrown around in the life insurance world probably way more than it should. The truth is that with the exception of truly high risk companies like Lloyds of London, life insurance companies would “prefer not to participate” in a case where mortality experience ( a closer than near death experience) ...read more
How Are You Best Served?
Buying life insurance can be so easy today that it’s just crazy compared to 30 years ago. If you’re healthy and don’t have any dangerous hobbies you can quickly and easily get the family protection you need from one of the big on line agencies, a small on line agency like mine, and even your ...read more
Did Your Mole Have Dysplastic Nevi?
Some years ago the life insurance underwriting world went into a tizzy because a study had come out insinuating that a person who had multiple basal cell carcinomas, a truly non lethal skin cancer, had a higher chance of having a melanoma, a truly lethal form of skin cancer. This led most companies to treat ...read more
USAA May Be Big, But…..
USAA is one of the biggest insurance companies in the country. Their ratings are enviable and their reputation is impeccable, except for one large chink in their armor. They stink at underwriting. Like a lot of large auto and homeowners insurance companies, USAA makes it clear that when you have life insurance needs, they would ...read more
Prostate Cancer Not Insurmountable With Life Insurance!
I got a call from a prospective client last week wanting to see if I could find anyone who would offer him life insurance. His issue is prostate cancer with a Gleason 9. He had a radical prostatectomy, chemotherapy and is currently on hormone therapy Lupron. His PSA has been undetectable for a year and ...read more
No Exam Life Insurance! Is It Worth It?
One of the little inconveniences of applying for life insurance is that, although free and done at your home or work, there is the need for an exam. With the exception of larger policies most exams consist of blood and urine specimens, a check of your height, weight and blood pressure and a lot of ...read more
