Medical Professionals and Prescription Drug Abuse!

Abuse of prescription drugs has been a growing problem for a few decades now and life insurance underwriters have tried to balance their reaction of this abuse with alcohol abuse and illegal drug abuse. For the most part the underwriting mirrors that of other...

What If All Life Insurance Was Easy?

I can tell you without hesitating that I wouldn’t be in the life insurance business if I was just churning out easy business and that isn’t to say I couldn’t make good money doing it. It is the challenges of working with underwriters to find a way to...

Life Insurance Labs And Heavy Drinking!

I may have just uncovered some of the mystery surrounding the dreaded life insurance lab result call the CDT, an easy way to refer to Carbohydrate Deficient Transferrin. It’s what is know in life insurance as an alcohol marker. This test, when abnormal, is...

Is Alcohol Abuse Always Alcohol Dependency?

One of those set in stone rules that we have lived with for years in life insurance underwriting just got a new look and possibly a question that may not make the answer as black and white as most underwriters would like it to be. I am currently shopping a case where...