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What Sounds Like A Sales Trick Really Makes Sense!

So here you are. You’ve made up your mind that you need life insurance to protect your family or your business. You’ve found an agent that you are comfortable with, an agent that seems knowledgeable about different types and reasons for life insurance,...

Medical Professionals and Prescription Drug Abuse!

Abuse of prescription drugs has been a growing problem for a few decades now and life insurance underwriters have tried to balance their reaction of this abuse with alcohol abuse and illegal drug abuse. For the most part the underwriting mirrors that of other...

Stage 0 Melanoma Life Insurance!

Call me naive, but there are almost daily occurrences of me seeing less mortality risk in a life insurance underwriting situation than the majority of underwriters. I get that they are paid to see everything through conservative lenses, but there are times when, to...

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...

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...

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...

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...

We Need To Have A Talk!

That phrase is usually followed by a conversation that you may end up feeling you really didn’t need to have, but I’m here with a breath of fresh air, a talk we need to have about how to get better life insurance rates when you have diabetes. Why now? Why...