Dragging Your Feet Is No Way To Take Care Of Your Family!
Being primarily an impaired risk life insurance agent I get to talk to a lot of people about diseases and problems they didn’t have even just a few years prior. Especially guys have this bombproof thing going on where they truly believe as long as they work hard and have regular bowel movements there’s no ...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
You Can Always Just Hope For The Best!
Young, healthy, immortal. Sure, you’ve talked about life insurance and you know it really doesn’t cost much at all, but you’re a guy. Men, especially young men, absolutely hate talking about real life. And in real life stuff happens. I know when you’re young there is way more good stuff than bad stuff happening, and ...read more
Declined For Life Insurance? Not A Bad Place To Start!
I won’t pretend that being declined for insurance doesn’t carry a sting. A common thought that comes with the decline is, “Do they think I’m about to die, or what”? Some perspective might help and maybe a little insight into how life insurance companies decide what will drive approvals and declines. It’s important to know ...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
The Downside To Not Having Anything To Worry About!
When A doctor says you’re doing just fine or you don’t need to worry about this or that, they really mean it. I suspect that in the short term scheme of things they may even be right most of the time. But let’s not mix up a short term prognosis with an adjustment in your ...read more
OK, Now Suck It Up And Get Real!
Life insurance is, always has been and always will be, about offsetting those financial losses that come with premature death. The problem that most people have with the concept is, that in spite of all of the evidence to the contrary, they seem to have a hard time believing that premature death is an issue. ...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
Mortality Risk Assessment!
If you only had a crystal ball, right? If you knew when you were going to die you could put off buying life insurance right up to the last moment, or if you knew you would outlive the need for life insurance you could just not buy at all. Well, unless you are terminally ill ...read more
