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Can 50’s and 60’s Get The Best Rates?

A query about life insurance yesterday from a 58 year old with no health history, no family history and no current treatment and a great  build led to quotes at a preferred plus level. A return email today asked me to quote a worse rate class doubting that...

Four Steps To Life Insurance Approval For HIV+!

Just a month ago there was only one step to getting life insurance if you were HIV positive. You filled out an application for guaranteed issue life insurance and sent in money, lots of money. Guaranteed issue whole life insurance was your only choice and even though...

One Million Dollar Life Insurance For HIV Positive?

Some nut case has been all over the internet search engines claiming a phenomenal life insurance underwriting breakthrough that will allow a large number of HIV positive people to get traditional life insurance up to $1 million. Since HIV became an issue in the...

Is That Low Life Insurance Rate Really The Lowest?

Allow me to blow right by all of the internet clutter of $12 a month for $500,000 of life insurance. There is no question that those are low rates even though they are enticing unknowing young clients with prices for 10 year term insurance, a completely inappropriate...