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
Hard To Get On Track!
Wow, what a day. I normally can focus on a topic and try to coherently share my thoughts on one life insurance subject or another, but today life is just gobbling up the energy I had set aside for that. Tomorrow, three weeks after my wife’s hysterectomy, we are finally meeting with an oncologist to ...read more
Life Insurance Underwriting Of The Silent Killer!
I had a screening not too long ago of my carotid artery for any blockage. They also checked the aorta for any sign of aortic aneurysms, and my blood pressure was measured on both arms and both legs to check for any indication of peripheral vascular disease or hypertension. This was a free checkup provided ...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
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
In Most Cases Obesity Shouldn’t Be Uninsurable!
There is a common misconception, especially among those who have pretty extreme weight issues, that life insurance simply isn’t available. With most, but not all, companies they would be right. Obesity carries with it a lot of mortality baggage that most insurance companies would really rather not deal with. They see the glass as half ...read more
How Close Does It Need To Come?
My Dad died just over a year ago after a two year battle with bladder cancer. I say battle, but he was really in good health (other than the cancer) and good spirits right up to the last few weeks. He was 86 and led an amazingly full, blessed life. When a parent dies sometimes ...read more
Just Answer The Question Please!
Sometimes when I ask the medical questions that are part of the first interview with prospective life insurance clients I get the feeling that I should have gone through them twice, or three times. Each time I should say something like, “Now when I go through the questions this time I want you to carefully ...read more
