Are They All Created Equal? Duh, No!

I just wanted to share a few examples of why it’s important to shop every impaired risk life insurance application for sure and not a bad idea to shop all cases. I’ve beat on this over the years because so many life insurance agents out there are willing...

Mission For HIV+ Life Insurance Still Under Way!

In the business of serious impaired risk life insurance, I celebrate each victory, and never take it for granted that the next one will be the same or end in an approval. We just got another HIV+ life insurance approval, this time for an executive in a large city...

If One Size Really Did Fit All!!

If all agents and all companies were created equal, well, you might as well get rid of all the agents and created “The Insurance Company”, completely computerized and ready to mistreat everyone on an equal basis. But alas we live in the real world and...

John Hancock Was All Talk!

No, not the real man. He was by all reports a real stand up guy, but unfortunately there isn’t a requirement when a company uses your name that they have to portray the same characteristics.  A few years back John Hancock Life Insurance made some bold, but well...

Life Insurance Assault And Battery On Professionals?

It’s been a long time since I addressed the topic of the beating that professionals, from physicians to attorneys to CEO’s take on life insurance if they have ever even been suspected of having a mood disorder. The way life insurance underwriting jumps all...

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...

Bipolar Life Insurance Acting A Bit, Well, Bipolar Right Now!

So we’re all familiar with the manic and depressive swings that are the hall mark of bipolar disorder. Some are subtle and manifest as people that work like crazy and then need down time to recover. The more severe bipolar manifestations are manic on the out of...

So You Are Taking Your Bat And Ball And Going Home?

They would probably have a holiday named after me if every customer walked away completely satisfied but you just get more customers when almost all of them do. It’s OK because personally I think we have over done the holiday thing especially because if the...

Life Insurance Underwriting! Art, Science Or WAG?

Since the ING Reliastar cholesterol ratio bell curve debacle 3 years ago I’ve been given to musing about what really goes on behind the closed doors or a life insurance underwriter’s office. Are they in there pouring through records and giving credits and...

A Review Of Type 1 Diabetes Life Insurance!

I was contacted today by a woman who was pretty distressed by the fact that Gerber Life wouldn’t approve her 17 year old daughter for life insurance. The young lady has type 1 diabetes and I want to touch on a couple of subjects with this particular situation....

Was That A Consideration, Option Or Order From Your Doctor?

If 60 Minutes was doing a segment on life insurance applications and how underwriters interpret your medical records they would have to focus on one of the biggest stumbling blocks, doctor’s recommendations for testing. To be fair, there wasn’t any life...

So Why Will The Other Guys Just Give A Quote?

The other guys! That would be most agents and agencies out there who aren’t inclined to ask you to do homework before they provide a life insurance quote, but here’s the deal, if they provide you a quote at all it won’t be as accurate as mine almost...

Zander Insurance Still Putting Their Comp Ahead Of Clients!

The only reason a sane life insurance agent would quote ING Reliastar, aka Reliastar, aka Voya, is compensation. Understand that there are two, sometimes more, levels of compensation that life insurance companies offer. One is called the “street” level...
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