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...

Stage 0 Melanoma Life Insurance!

Call me naive, but there are almost daily occurrences of me seeing less mortality risk in a life insurance underwriting situation than the majority of underwriters. I get that they are paid to see everything through conservative lenses, but there are times when, to...

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...

On The Count Of Three Yell…..

Update my personal history in your records if you expect me to pay your bill. Yes, I am suggesting yelling at your doctor and yes, they may get all offended by the assertion that they aren’t doing their job, but it’s kind of like the old adage, “How...

HIV+ CEO Approved For $1 Million Traditional Life Insurance!

There is nothing quite like fighting the good fight and getting your butt handed to you. While we’ve been able to provide life insurance for business purposes to HIV+ CEO’s and executives for years through Lloyds of London, anyone who has followed this...

John Hancock Was All Talk!

No, not the real man. He was by all reports a real stand up guy, but unfortunately there isn’t a requirement when a company uses your name that they have to portray the same characteristics.  A few years back John Hancock Life Insurance made some bold, but well...

Life Insurance Assault And Battery On Professionals?

It’s been a long time since I addressed the topic of the beating that professionals, from physicians to attorneys to CEO’s take on life insurance if they have ever even been suspected of having a mood disorder. The way life insurance underwriting jumps all...

The Fat Lady Finally Sang!

I ran into a client over a year ago who presented me with one of those life insurance scenarios that brings out the gag reflex in even the best of underwriters, one of “those issues” that has been an automatic decline since life insurance was invented, an...

So You Are Taking Your Bat And Ball And Going Home?

They would probably have a holiday named after me if every customer walked away completely satisfied but you just get more customers when almost all of them do. It’s OK because personally I think we have over done the holiday thing especially because if the...

A Review Of Type 1 Diabetes Life Insurance!

I was contacted today by a woman who was pretty distressed by the fact that Gerber Life wouldn’t approve her 17 year old daughter for life insurance. The young lady has type 1 diabetes and I want to touch on a couple of subjects with this particular situation....