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 well...

Do You Have A Power Of Attorney?

This same subject keeps popping up in new forms. I’ve explained in the past how essential it is for unmarried couples or business partners to have a power of attorney to be able to sign a release of medical records for life insurance in the event that the...

Why Can’t I Exclude My Heart From My Life Insurance Policy?

A client I’m working with is getting a little frustrated because, in order to keep his obligations, he is going to have to convert a current term policy coming to the end of its’ guaranteed level premium period. When I say he is going to have to do this...

Never Let Your Life Insurance Lapse Accidentally!

I just got off the phone with a guy who missed the end of the grace period on his $1 million life insurance policy by 3 days. He called and asked for forgiveness and was told that he could fill out a reinstatement application and, if approved, the policy would be...
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