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...
The Change In Life Insurance Cholesterol Underwriting!
A few years back I fought a bloody battle with an underwriter from ING over what today still stands as the most illogical piece of underwriting I have ever run in to. Not that the two events are in any way related, but I won the battle and then watched company...Holy Triglycerides Batman! Who Was That Masked Lipid?
I recently shared about an insurance applicant who was approved by Transamerica at table 4 due to some admirably huge lipid readings. His Trigs were 862, total cholesterol 348 and HDL/total ratio 9.25. I encouraged him to take those results directly to his doctor. I...A New Look At Lipids And Heart Disease!
Just when you have everything comfortably figured out some scientist or doctor or study throws a curve ball at you. Cholesterol was something we all finally got. We knew that if our cholesterol was 200 or under and our LDL, HDL and triglycerides were in the...Finally! Some Recognition For Good Cholesterol!
For years the underwriting benchmark for life insurance’s best rate class has been a cholesterol ratio of 5.0, 4.5 by some more conservative companies. The cholesterol ratio is determined by dividing total cholesterol by HDL, good cholesterol. For instance,...Hit And Missed Opportunities Of 2009 In Life Insurance Underwriting!
Life insurance underwriting is kind of like sand dunes. You can take a picture at the beginning of a year and it can be absolutely clear where every grain of sand lies. The exact same picture taken at the end of the year could easily have been taken on another planet....Two Life Insurance Potholes In The Road. Blood Pressure And Cholesterol!
There are plenty of people that apply for life insurance and are sure they are going to get the best rate class available. In their mind they are even ahead of Superman because he has that disorder that has to do with Kryptonite. These people have never been sick,...Lipids! Cholesterol Numbers And What They Mean For Life Insurance!
With statins being prescribed for people with perfectly normal lab results it kind of makes you wonder if we haven’t gone a little overboard in our quest to avoid heart attacks. Clearly if you never leave your house you have almost no chance of being hit by a...The Hinerman Group
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