Why would you replace one life insurance policy with a new one? There are some important and ongoing questions when you own life insurance like does the policy meet your needs and Is the policy affordable? These are questions that should both elicit a yes answer when...
Predictive Models and Underwriting: What’s the Potential?
Not long ago I went on a tear about American General’s use of the CRL Lab’s proprietary laboratory analyzing methodology called “Smart Score”. The blasting cap for that little tiff was a case that American General declined, obviously using...Charge AIG With An Error And A Save!
As related in a post yesterday which was a follow up on a previous post concerning the American General use of the CRL Labs Smart Score methodology for underwriting, I have breaking developments. After being rebuffed by CRL, being told that they couldn’t tell me...Gastric Bypass Life Insurance Perspective!
Let me start out by saying that traditional life insurance underwriting doesn’t reward treatment of health issues. That is as in DOES NOT reward. There are still life insurance companies out there that will whack a client like a golf ball for taking medication...In Life Insurance Underwriting Your Doctor’s Opinion Does Matter!
This is one of these subjects that goes in several directions. Your doctor’s opinion can help you get the best possible life insurance rate. It can also bring your life insurance application to a screeching halt and if it ever comes down to who is right, the...Does Obesity Life Insurance Require Drastic Measures?
There are several ways to deal with an out of control weight problem from a health standpoint, but from a life insurance point of view it’s pretty clear cut. If you are morbidly obese the best case is that you will have to pay more than the average person for...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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