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...
How Does Marijuana Use Affect Life Insurance Rates?
The Overview Up until about six years ago life insurance companies that would approve someone who admitted smoking pot, approved them at the same smoking rates that applied to cigarette smokers. There wasn’t a lot of underwriting logic to that decision other...What Can You Do About Being Declined For Life Insurance?
Are you blackballed when you are declined for life insurance? In the 18th century blackballing was simply voting using a black versus white ball. In more recent times it came to mean a removing someone from consideration. Being blackballed Is serious stuff no matter...When Can A Cancer Survivor Get Life Insurance?
Can you get life insurance after completing cancer treatment? I wish the answer to that question was always yes. Since it’s not, let’s talk about the criteria that need to be met in order to get life insurance after completing cancer treatment. Most...Can My Life Insurance Price Be Changed If My Health Changes?
What if my health changes after I buy life insurance? There are plenty of precedents where insurance penalizes you when something happens. Car insurance immediately comes to mind when they raise your rates because you have a speeding ticket (or two). So, can your life...The Latest On Bipolar 2 Life Insurance.
As recently as 2013 it just wasn’t a stretch for Bipolar 2 life insurance to have a shot at getting the best rate class with some companies if you had well controlled bipolar II. The companies took into account all of the factors that should be relevant in...No Exam Life Insurance Up to $2.5 Million!
Before everyone jumps on this no exam life insurance offer, and I get a call from everyone who wants life insurance but doesn’t have time for an exam, let me preface the good news with this…excellent health is a must. The company making this offer also...Will Your BNP Result In A Life Insurance Decline?
So, BNP (natriuretic peptide). What the heck is it? In layman’s terms (so I can understand it), BNP is a protein release by the heart that could indicate congestive heart failure. But listen up all of you life insurance underwriters……It could mean...Don’t Make The Wrong Choice With Life Insurance After Age 50
Here I go again busting another urban myth propagated by life insurance companies and organizations that people over age 50 should quit taking life insurance exams and start turning to smaller, over priced life insurance policies. Honestly in the feeble minds of...Did Your Doctor Really Say That?
If the Wall St Journal was doing an article on life insurance applications and how underwriters interpret your medical records they would have their hands full. Without exaggerating most medical records contain errors and ambiguous notes. To be fair to the...The 1% In Impaired Risk Life Insurance! The Truth!
Less than 1% of life insurance companies truly underwrite an application for someone with serious health conditions and take more than just that condition into account. There are rumors or urban myths that if you have a serious health condition, whether that is...Great Life Insurance Deals You Haven’t Heard About!
It’s what we’re all looking for when we finally get around to the task of acquiring life insurance, a great deal. For each of us that can be defined differently. For many of my clients just finding a company that will approve a life insurance policy is a...Great News For Prostate Cancer Life Insurance!
I’ve written for years about the great underwriting and life insurance prices available for those with treated prostate cancer. Within the parameters of no higher than a stage T2c and a Gleason grade of 6 we have been able to get better than standard rates for...US Companies Hit All Time Low With Foreign National Life Insurance!
I am still shaking my head over the news I got today from the last bastion of reasonable foreign national life insurance underwriting. Most US life insurance companies had gone south in this niche a few years ago, heading their life insurance guidelines for foreign...Business Life Insurance With HIV
Having just placed a $9 million business life insurance key man policy, I can tell you that the welcome mat is out for those in business or for personal needs who have well controlled HIV. It’s no secret that being HIV+ has changed medically with, in many cases,...The Hinerman Group
My 20 years of experience give me the knowledge and leverage to find reasonably-priced life insurance for people who have been declined or are paying more than they need to. Request a Free Consultation Today!
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