Five Points About Coronary Artery Disease Life Insurance!

With most life insurance companies the idea of being approved for life insurance post CAD event is laughable at best. By far the majority of life insurance companies would rather you be someone else’s client no matter what the event was, a heart attack (MI), a...

The Life Insurance Penalty For Pro Activity!

Coming off a post just a few days ago where I beat the compliance drum into a lather because that is what life insurance underwriters want to see, I turn around and shop a case where all of the underwriters fly in the very face of what they said and what I repeated. I...

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...

We Need To Have A Talk!

That phrase is usually followed by a conversation that you may end up feeling you really didn’t need to have, but I’m here with a breath of fresh air, a talk we need to have about how to get better life insurance rates when you have diabetes. Why now? Why...

Why Is A Life Insurance Standard Rate So, Standard?

There is absolutely nothing wrong with being approved for life insurance at a standard rate class or higher, unless you qualify for a better rate class through another company. There are a large number of companies that don’t even offer multiple rate classes....