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...
It Works For My Customers!
I’ve mentioned probably more often than I’ve needed to that I shop even some of the simplest cases, probably every case that isn’t a slam dunk, no health issue, preferred plus. This makes sense for me and my clients because my clients will know ahead...Change Is The Life Insurance Constant!
There is good news and bad news for me and my life insurance clients. The good news is that there are a few constants that we can hold fast to and take to the bank year after year in life insurance underwriting. It seems that those that qualify for the best rate class...Not All Nicotine Users Killed By Life Insurance Rates!
There is probably no worse platform to jump off of than answering the first page question on a life insurance application about whether you use tobacco or nicotine products, if you do. While I’ll get to some exceptions to the rule in a minute, with almost...Do Life Insurance Underwriters Have Emotions?
I know I go through some weeks sure that all life insurance underwriters are kind of mechanical. They look at the records and the labs and look in their underwriting guide and stamp the appropriate approval on it and then on to the next. No emotions. Just the facts...Well, Take A Puff On This Thought!
I will post this very quietly so as not to wake the life insurance underwriters who would likely leap on an article like this to do away with the great non smoking rates that cigar smoking applicants are getting right now. By the way, I haven’t seen this...Smoking Cigarettes As Opposed To Cigars. Difference In Life Insurance Cost?
Well, if the last post didn’t hit on anything else important, everyone should at least know that smoking cigarettes can change your life expectancy, and not in a happy way. If you do smoke cigarettes and need life insurance, let me be very clear about this. You...When Is Tobacco Use Not Really Tobacco Use?
One of the biggest life insurance rate hits is for those who smoke. There is some logic to that given the link between cigarette smoking and cancer and heart disease, but are the underwriters throwing apples and oranges in the same basket and assuming they all taste...Cmon Cigar Aficionado, Tell It Like It Is!!
Several years ago Cigar Aficionado ran an article on life insurance for cigar smokers. It was a poorly researched article at the time and fell well short of giving the information needed for the cigar enjoying public to get the best rates possible. I have offered more...Preventive Radical Mastecomy?
Preventive medicine has been around for a long time. In most cases that takes the shape of being on medication for borderline cholesterol or blood pressure issues. In some cases where women have a better than average chance of having breast cancer, radical mastectomy...Cigar And Pipe Smokers Need A Piece Of The Rock!
As I wrote that title it occurred to me that I might be showing my age. The advertising slogan for Prudential used to be (may still be?) “Own a piece of the rock”. Anyway, Prudential is a stand alone company when it comes to their treatment. In an article...Smoking And The Good Old Days Of Life Insurance!
Ahh! The good old days when smokers were smokers except with one life insurance company, some smokers weren’t smokers. This actually wasn’t all that long ago, maybe a year and a half, but there was a company called US Financial who truly looked at things...Good News On Smoking And Life Insurance!
I know I’ve been all about the downside of smoking and life insurance this week. I’ve gone on and on about the valid reasons why life insurance underwriters are a bit brutal when it comes to smoking, especially in combination with health issues that are...Calling All Cigar Smokers!
For all of you that have applied for life insurance and smoke cigars, and didn’t use the right company and agent, you’ve felt the sting of smoker rates. In general, cigarette smokers will spend 2-3 times what a non smoker will spend on life insurance given...Safe Haven For Cigar Smokers!
There are plenty of life insurance companies out there who will look the other way on cigar smoking as long as you are truly an “occasional” smoker. Each company has their take on what occasional means. For a few companies you need to save those cigars for...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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