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
More Than Basal Cell Carcinoma Life Insurance!
I was encouraged by a client to contact Kristi Schmitt Burr, the executive director of the Basal Cell Carcinoma Nevus Syndrome Life Support Network, BCCNS.org. I have 14+ years experience in working with clients who fall into the impaired risk category of life insurance. That simply means they have health challenges that cause problems for ...read more
A Side Of Skin Cancer Life Insurance Underwriting Rarely Looked At!
I’ve written a lot over the years about the life insurance underwriting of skin cancer. It’s been a mixed bag of good news and bad news depending on whose study life insurance underwriters wanted to use as their mortality test that month, but overall great strides have been made. My blog is littered with the ...read more
Does Your Life Insurance Agent And Company Have Your Back?
I got a call yesterday from a woman who had just been declined for a new life insurance because she had two melanomas in the last 11 years. After the second melanoma she decided she was a little more mortal than she had originally figured and wanted to increase her life insurance. So, she called ...read more
The Altitude Of Private Pilot Life Insurance Ending 2011!
What a crazy year for underwriting life insurance. There have been shifts all over the map from type 1 diabetes to melanoma history, with some of the best news coming for private pilots. It’s been quite a while since we’ve had as many solid players in the hunt for private pilot life insurance. In fact, ...read more
Revisiting Skin Cancer Life Insurance Underwriting!
Talk about a health issue that’s been around the block several times and every time something new pops up. Skin cancer is it! We’ve seen great strides in underwriting melanoma with a recent approval at standard plus rates just four months out from treatment. Obviously a best case scenario! It was a stage 0, very ...read more
A Good Summer For Skin Cancer Life Insurance!
What a summer, huh? I heard on the news the other day that somewhere in Oklahoma had set a new all time record high for any state over a full month. We’re talking hotter than Arizona!! I’m pretty blessed to live at 7000′ in Colorado where yesterday the high was 88 and the low was ...read more
Skin Cancer Life Insurance Underwriting!
There is no lack of bad advice and lame life insurance underwriting when it comes to any of the three types of skin cancer, basal cell carcinoma, squamous cell carcinoma and malignant melanoma. At the core of the confusion seems to be multiple instances of anything. Several years ago something of a skin cancer life ...read more
Melanoma Life Insurance Success!
I love to golf. There are very few things that carry that same feeling as a well hit drive or sinking a long putt (or for me not missing a short one), but when we can get a case approved at better than standard rates for someone with a history of melanoma, well, it’s a ...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
