Can You Get AD&D If You Are Already In Afghanistan?
Since we have been able to nail down some very affordable rates for accidental death and dismemberment policies for civilian workers in war zones or really anywhere in the world, things have been hopping. Whether you are going to Kabul for a week or Somalia for a year or more we are now able to ...read more
Can You Really Believe Life Insurance 70% Savings?
The 70% savings lure in life insurance advertising is probably been so used that it is a brand by itself. Never mind the companies the promote it, who wouldn’t want to save 70% over what they are currently paying for a comparable life insurance product. So, the good news is that it’s real. Let’s look ...read more
Am I Saying You’re A Bad Risk?
I’ve been specializing in “impaired risk” life insurance cases for the past 13 years and often find that people are confused about the term. They can get their mind wrapped around the idea that they have an impairment, but when you add the word risk the mind kind of automatically adds in the word bad, ...read more
Should You Take Offense To A Standard Rate Offer For Life Insurance?
A lot of people understand why and know that a standard rate approval is coming on life insurance and are happy to get it. On the other side of the coin are those that receive a standard rate approval and are taken aback by it, taking offense to not receiving a better offer. Let’s see ...read more
Mortality Reality!
If there is a common thread through the whole life insurance application/underwriting experience, it’s that those applying tend to underplay their mortality while feeling like underwriters really overplay the whole mortality thing. Life insurance pricing and mortality risk evaluation is far from a perfect science. If it was “perfect” and absolutely fair to everyone, there ...read more
New Twist On Viaticals!
Understand that there isn’t anything I like about investor owned life insurance. Now matter how you sugar coat it someone or some institution with a profit margin has a vested interest, not in my life but in my death. That’s just creepy. My nephew came to me yesterday and laid out the latest twist on ...read more
And You Wonder Why That Agent Couldn’t Get The Job Done For You?
I have often talked about the need, when you have health issues or a health history, to do your homework and make sure you find an independent life insurance agent who understands your health challenge and also understands what companies to go to and what companies to avoid. Too often even experienced agents will focus ...read more
Hi, My Name Is Ed And I Am A Saltholic!
Guilty as charged. I am one of those recovering saltaholics that grabs the salt shaker and tops off a meal before I’ve even taken a bite to see if it needs it. I love salt and although I am getting better about at least giving something a taste first, the truth is, well, I’m still ...read more
