What Sounds Like A Sales Trick Really Makes Sense!

by | Mar 8, 2016 | application process, approval, bipolar disorder, business life insurance, doctor's recommendation, insurance, life insurance, life insurance approval, life insurance exam, life insurance underwriting

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,...

Life Insurance Love.

by | Jan 29, 2016 | application process, approval, bipolar disorder, business life insurance, CEO life insurance, decline, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval

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...

A Bipolar ER Nurse?

by | Jan 26, 2016 | ADHD, Anxiety, approval, bipolar disorder, breast cancer, business life insurance, CEO life insurance, compliance, decline, Depression, insurance, life insurance, life insurance approval, physicians life insurance

Now there’s a calming thought. You’re still alive, traumatized from head to toe from a car to moose gathering on the highways of Maine and you’ve made it to the hospital. The doctor and nurse start working  and you relax as you know that you are with...

When It Makes Sense To Replace Your Life Insurance!

by | Nov 6, 2015 | application process, approval, beneficiary, bipolar disorder, budget, cash value, contestability, contestability period, insurance, life insurance, life insurance replacement, replacement

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...

You Need Your Life Insurance When?

by | Oct 29, 2015 | approval, bipolar disorder, business life insurance, buy/sell life insurance, CEO life insurance, executives, insurance, key man insurance, life insurance, life insurance approval

The old saying goes, “Lack of planning on your part doesn’t constitute an emergency on my part”. But there are times, especially with business life insurance where all the planning in the world is derailed by the unforeseen and you need an agent who...

Back To The Future! The Short Version.

by | Oct 28, 2015 | ADHD, Anxiety, approval, bipolar disorder, business life insurance, CEO life insurance, Depression, insurance, life insurance, life insurance approval, mortality risk, physicians life insurance

Life insurance companies are so burdened with their responsibility to clients to underwrite them fairly and offer the best price possible, and their responsibility to share holders to maximize profits by bringing in new business (competition) and cutting expenses...

Medical Professionals and Prescription Drug Abuse!

by | Oct 22, 2015 | Alcohol Treatment Life Insurance, approval, bipolar disorder, death benefit, Drug Treatment Life Insurance, insurance, life insurance, life insurance claim, life insurance underwriting, physicians life insurance

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...

Breast Cancer Underwriting All Over The Map!

by | Sep 15, 2015 | application process, approval, bipolar disorder, breast cancer, cancer, decline, doctor's recommendation, family history, insurance, life insurance, life insurance approval

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...

Are They All Created Equal? Duh, No!

by | Aug 5, 2015 | abnormal labs, approval, bait and switch, bipolar disorder, height and weight, impaired risk life insurance, Independent agent, insurance, lab results, life insurance, lifetime guaranteed UL, medical record acquisition

I just wanted to share a few examples of why it’s important to shop every impaired risk life insurance application for sure and not a bad idea to shop all cases. I’ve beat on this over the years because so many life insurance agents out there are willing...