What Sounds Like A Sales Trick Really Makes Sense!

So here you are. You’ve made up your mind that you need life insurance to protect your family or your business. You’ve found an agent that you are comfortable with, an agent that seems knowledgeable about different types and reasons for life insurance,...

The Other Retirement! Ex Patriot Life Insurance?

I have a mentor/friend/business partner in life insurance of sorts in Denver who is a few years older than me (we have the 60’s covered) and we have kicked around retiring in Panama for a few years. The idea of Caribbean or Central American retirement certainly...

Life Insurance Love.

Ah, the sting of being declined or being rated practically to death when you apply for life insurance. Do they really think you are on death’s door or do they just dislike you personally? Perhaps that life insurance company has a quota that limits the amount of...

Who Is The Key To The Success Of Your Business?

Who, if they left your company or died without adequate life insurance, would derail your company? Maybe it wouldn’t put you out of business but for at least a while you would experience chaos at a business level. It could be that the reputation of the CEO, with...

When It Makes Sense To Replace Your Life Insurance!

As I was filling out an obnoxiously lengthy New York life insurance replacement form yesterday it occurred to me that replacement, the idea of getting rid of a current policy and replacing it with a new policy has kind of gotten one of those back alley bad raps. State...

Breast Cancer Underwriting All Over The Map!

I am currently shopping for life insurance for a 50 year old nurse who had breast cancer in 2001. She had a lumpectomy and there was “a very small amount of cancer cells” found in one of the sentinel lymph nodes checked. Because of the lymph node she was...

Mission For HIV+ Life Insurance Still Under Way!

In the business of serious impaired risk life insurance, I celebrate each victory, and never take it for granted that the next one will be the same or end in an approval. We just got another HIV+ life insurance approval, this time for an executive in a large city...

If One Size Really Did Fit All!!

If all agents and all companies were created equal, well, you might as well get rid of all the agents and created “The Insurance Company”, completely computerized and ready to mistreat everyone on an equal basis. But alas we live in the real world and...