You Need Your Life Insurance When?

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.

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!

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!

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!

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...

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...

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...

Bipolar Life Insurance Acting A Bit, Well, Bipolar Right Now!

So we’re all familiar with the manic and depressive swings that are the hall mark of bipolar disorder. Some are subtle and manifest as people that work like crazy and then need down time to recover. The more severe bipolar manifestations are manic on the out of...
Have you been declined or rated for life insurance, or believe you might have a hard time being approved? We can help get you, your family, or your business approved for life insurance at fair rates.

Request a Free Consultation Today!!!