On The Count Of Three Yell…..

Update my personal history in your records if you expect me to pay your bill. Yes, I am suggesting yelling at your doctor and yes, they may get all offended by the assertion that they aren’t doing their job, but it’s kind of like the old adage, “How...

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...

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...

Your Medical Records And Life Insurance!

Things pop up day to day in my business that remind me that I haven’t written about some particular life insurance pitfall in a while. Just as much as any life insurance impaired risk you might present, the inaccurate BS information that doctors put in or allow...

Final Expense Whole Life In Perspective!

I got a call a few days ago from a couple who are both 74 years old. They have had Protective term life insurance in force for several years and decided to look at converting $25,000 for final expense purposes since their conversion option ends next year. Seeing...

Is Alcohol Abuse Always Alcohol Dependency?

One of those set in stone rules that we have lived with for years in life insurance underwriting just got a new look and possibly a question that may not make the answer as black and white as most underwriters would like it to be. I am currently shopping a case where...
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