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...

The Fat Lady Finally Sang!

I ran into a client over a year ago who presented me with one of those life insurance scenarios that brings out the gag reflex in even the best of underwriters, one of “those issues” that has been an automatic decline since life insurance was invented, an...

OK. I Get It, But Is It Going To Kill You?

I guess on some level I get that if you have coronary artery disease, you will always have it and I get that people with early onset CAD, actuarialy life insurance speaking are a worse life insurance risk than someone who is diagnosed, say, in their 50’s. But...

Matters Of The Heart!

Long gone are the days of US Financial Life Insurance and their clinical underwriting that gave so many clients competitive rates, rates they really deserved, within 6 months of an angioplasty or bypass surgery. While those are tough shoes to fill, other companies...

If It Were Your Money?

Part of the life insurance business is helping clients understand that companies weigh the mortality risk of each client, and the higher the risk, the higher the premium. I’m often asked by, say, someone who has experienced a heart attack, why the insurance...
Have you been declined or rated for life insurance, or believe you might have a hard time being approved? We can help get you, your family, or your business approved for life insurance at fair rates.

Request a Free Consultation Today!!!