The definition couldn't be much simpler. Guaranteed issue is a life insurance policy that the company guarantees it will issue and put in force no matter what health conditions you have. Some guaranteed issue life insurance companies have age limitations. Most use 40...
Thyroid Cancer Life Insurance!
It’s no secret that with most types of cancer life insurance can be something of a hassle, if not impossible, to get even when a large amount of time has passed. When I say most things are sort of tilted in favor of that statement just because there are so many...A Bipolar ER Nurse?
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...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...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...Can Life Insurance Hold Cancer Against You Forever?
There are some things, things medical, mental and lifestyle, that some insurance companies may never let go of. 15 or 20 years after the fact it is entirely possible that there are companies that will unflinchingly say no thanks to your life insurance business even...2012 Life Insurance. The Best Year Ever!
There’s still two more months to go and by any measure the life insurance industry has made strides in both underwriting and product design that speak well for the future, but especially should be an eye opener right now. I’ve tried to note each change or...Melanoma Life Insurance Approval At Preferred?
OK. I made it up just to get your attention. No, seriously. Companies are just blowing me away with the offers and approvals they are giving on low stage and grade cancers. In this case I have a company approving a policy at preferred 3 months after a melanoma was...Preferred Life Insurance Underwriting With Colon Cancer History?
This last year has been full of life insurance underwriting break throughs from major companies, especially in the area of cancer. In previous posts I’ve talked about the logic of this being tied to earlier detection and much better treatment options than have...It’s All Life Insurance Rumor Until It Works For A Client!
There have been some dramatic breakthroughs in life insurance underwriting over the past few months, a lot of it having to do with cancer life insurance underwriting. Just as these breakthroughs started there are now more rumors of companies following suit, or...Preferred Rates With A History of Cancer?
One of the brightest gems in the new cancer life insurance underwriting that was unveiled this week is the possibility to get all the way back to preferred rates with the right cancer, the right outcome and, of course, the right agent and the right company. For as...Cow Tipping And Cancer Life Insurance Underwriting!
When I was young growing up in Wyoming I remember being talked into a cow tipping trip one evening. I don’t know if this goes on everywhere, but in Wyoming adults really like to jack with kids by having them attempt urban, or in our case, country legends....Major Clinical Life Insurance Underwriting Rumor Is True!!
I recklessly went out on a limb yesterday spreading a rumor that a major, well know A+ rated life insurance company was jumping on all of the cancer detection and treatment victories of the last several years and have changed their underwriting guidelines and...Latest Life Insurance Rumor!
I hate jumping into a life insurance topic like this without all the facts but, heck, that’s why they call them rumors. Historically one of the toughest parts of underwriting has been, especially for cancer, the insistence of a one year waiting period post...Breast Cancer Life Insurance At Preferred Rates?
Whenever we talk about breast cancer life insurance the real meat of the discussion revolves around stage and grade. Just like the five year survival rate, life insurance for breast cancer survivors is a far better deal with an early stage and low grade. We know that...The Hinerman Group
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
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