It’s All Life Insurance Rumor Until It Works For A Client!
There have been some dramatic breakthroughs in life insurance underwriting over the past few months, a lot of it having to do with cancer life insurance underwriting. Just as these breakthroughs started there are now more rumors of companies following suit, or tightening the underwriting gap back up. All of them know they aren’t hanging ...read more
Preferred Rates With A History of Cancer?
One of the brightest gems in the new cancer life insurance underwriting that was unveiled this week is the possibility to get all the way back to preferred rates with the right cancer, the right outcome and, of course, the right agent and the right company. For as long as I can remember the best ...read more
Cow Tipping And Cancer Life Insurance Underwriting!
When I was young growing up in Wyoming I remember being talked into a cow tipping trip one evening. I don’t know if this goes on everywhere, but in Wyoming adults really like to jack with kids by having them attempt urban, or in our case, country legends. Another was snipe hunting but I’ll save ...read more
Major Clinical Life Insurance Underwriting Rumor Is True!!
I recklessly went out on a limb yesterday spreading a rumor that a major, well know A+ rated life insurance company was jumping on all of the cancer detection and treatment victories of the last several years and have changed their underwriting guidelines and philosophy to bring huge breaks to their clients. I wasn’t reckless ...read more
Latest Life Insurance Rumor!
I hate jumping into a life insurance topic like this without all the facts but, heck, that’s why they call them rumors. Historically one of the toughest parts of underwriting has been, especially for cancer, the insistence of a one year waiting period post treatment, or the period where the company applies a flat extra ...read more
Breast Cancer Life Insurance At Preferred Rates?
Whenever we talk about breast cancer life insurance the real meat of the discussion revolves around stage and grade. Just like the five year survival rate, life insurance for breast cancer survivors is a far better deal with an early stage and low grade. We know that a stage 0 or stage 1 breast cancer ...read more
Shopping Impaired Risk Life Insurance Cases!
I’ve often mentioned that shopping life insurance cases before sending a formal application is important. It saves time, avoids disappointment and, from a customer service standpoint, makes the whole process of approving impaired risk life insurance far easier on the client and the company. Notice I didn’t say it was easier on the agent. No ...read more
Breast Cancer Life Insurance Underwriting.
In reviewing old posts it became apparent that, as a stand alone issue, I haven’t really addressed breast cancer life insurance underwriting in some time. I was all over the issue a few years ago when my mother was going through treatment, but let it drop off when her treatment was successful. For those that ...read more
You Can’t Get From Here To There Without It!!
Not a week goes that I am not called by someone with a history of cancer. It can be as common and treatable as prostate cancer or breast cancer, or as unpredictable as multiple myeloma. They would like to have life insurance, just like anyone, but insurance quotes take more information and leg work than ...read more
Breast Cancer And The Future Of Life Insurance!
My wife and I are off to spend the weekend with my mom in Wyoming. For the first time this spring it appears there won’t be a major winter storm in between us. Happy Mothers Day! It is my mom’s own fight with breast cancer that has renewed my optimism for the future of how ...read more
