Let The Life Insurance Underwriting Parade Begin!
It’s barely been a month since one of our highest rated carriers announced huge breakthroughs on cancer life insurance underwriting. With some cancers they did away with the one year waiting period post treatment, instead opting for a more aggressive approval suimmediately upon completion of successful treatment. They also opened the door for approvals of ...read more
Life Insurance And Ultra Fast CT Heart Scans!
It’s been years since I’ve run head long into an ultra fast CT scan that just simply defies all logic. Ultra fast CT scans are used to stop the heart mid beat so the chambers and arteries can be looked at in detail. It has been touted as the answer to non invasive coronary artery ...read more
Was Your Application For Life Insurance Declined?
I have to admit that if it wasn’t for life insurance applications being declined, we wouldn’t do a lot of business. I’ve shared before that most of our clients come to us because they had life insurance declined elsewhere, or they are afraid that if they do apply it will be declined. Most life insurance ...read more
Risk/Reward Of Angioplasty. Worth It?
Angioplasty has been praised for its’ less invasive approach to fixing clogged arteries than the traditional bypass surgery by many and it has been labeled a dangerous scam by others. In light of a couple of takes on angioplasty by CBS news this week I want to throw out some discussion about the subject from ...read more
Life Insurance Underwriting Of Seizure Disorders!
With most life insurance agents and most life insurance company underwriters, the mere mention of a history of seizure disorders or epilepsy is enough to bring the conversation and the application to a screaming halt. Not unlike a lot of the less common health issues, the agents don’t know what to ask and the underwriters ...read more
Life Insurance Underwriters More Reasonable Than You Might Think!
I’ve certainly questioned the IQ of more than one life insurance underwriter over the years. I may have even insinuated that a few didn’t even make into on to the IQ scale. But the truth is there are two types of underwriters working on life insurance applications for us. The first, a group we try ...read more
Five Ways To Get Better Life Insurance Rates If You Have Diabetes!
There are probably more than five tips for type 1 and type 2 diabetics who are looking for life insurance and don’t want to pay through the nose for it, but let’s take a quick look at the most important. 1. Educate yourself about your diabetes. Understand and be able to explain to an independent ...read more
2009 Starting Off As The Year Of Denial!
Just 10 days into the year. 1/36th of the way through it. We hardly even have our feet wet in the new year yet and I have been bowled over by as much acute denial in this short period than I am in an average month. Is it possible the economic meltdown is causing mental ...read more
Can A Heart Attack Be Good News?
One of the challenges we face each week is finding affordable life insurance for people who have suffered a heart attack, or have undergone angioplasty or heart bypass surgery after having chest discomfort due to blocked arteries. The good news! The folks we are helping are alive and with the often hidden heart problem revealed, ...read more
The Life Insurance Sweet Spot For Diabetes!
For just about any health issue there is a “sweet spot” for life insurance underwriting, that place where all of the pluses overcome the minuses and a better than usual approval is received. This is especially true of underwriting guidelines for type 2 diabetes and the good news is that with current treatment options it ...read more
