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...
Should Financial Ratings Drive My Decison About Life Insurance Companies?
I had emailed some quotes off to a client this week with Genworth Life and Annuity, a major player in no lapse guarantee UL’s and in this case the best rate class offer I had received when shopping the case. She went on line and found out that Genworth has been...Fat Chance Of Getting Life Insurance?
For those who are dealing with overweight issues that’s a question you may be wrestling with. Every life insurance company out there has their version of a build chart and when you look at one you definitely understand that they consider obesity to be a...Now That You Know Your Post Holiday Weight!!
Now that the results are in and we’ve quietly sneaked on and quickly back off of the scales, let’s talk about what that number means in the world of life insurance. Whether it’s just extra pounds or obesity life insurance is available and at...News From Pru!!
Pru rolled out a 16 page release on their new and improved underwriting guidelines in a number of areas. This comes on the heels of a much ballyhooed rate decrease that didn’t do squat for anyone under 50. Nevertheless there may be some morsels in here that will...Build Your Own Flexibility!
One of the considerations when you are putting together a life insurance program or portfolio should be flexibility, a way to deal with the “what ifs” in life. I’ve seen this a little more than usual as people have dealt with different aspects of the...Just Because You Disagree With The Diagnosis Doesn’t Mean It Didn’t Happen!
Sleep apnea can be nearly a life insurance non issue if it is well controlled, or deemed mild enough by a doctor not to necessitate the need for using a cpap. But it can become an issue when it’s not mentioned to your agent prior to the application process. I...Matrix Direct. Go Figure This One!
I got a Matrix Direct email today that may shed a little more light on one of the reasons AIG isn’t cutting it. AIG’s American General Life owns the big on line agency Matrix Direct. Not a bad idea for a company that has done so well on line to have their...They Just Keep On Coming!
Can you feel it building? It started as a trickle around the first of the year with the announcement that a few companies were considering either discontinuing or raising the rates on the universal life no lapse guarantee products. It didn’t take any huge leap...Make It Easy On Yourself!
There are several options available for paying your life insurance premium. To see it advertised you would think that the only options are monthly. Of course the reason for advertising monthly rates is well known. Giving a potential customer sticker shock by making...Just Days Left To Lock In Best Term Insurance Rates Ever!
I have spent the last few weeks highly encouraging fence sitting customers to make a move if they truly want the deal of the century on term life insurance. While Prudential’s 4-5% increase in term insurance rates will still keep them competitive, when you...If Obesity Hasn’t Damaged You, It Should’t Hurt Life Insurance Chances!
Let’s don’t mince words on this subject. If someone is 40% overweight they are twice as likely to die prematurely than someone of average build. It’s not the fat that kills you, but the strain that all that extra weight puts on your body making you a...Just Like Dominos!
Just when you thought I was through yelling, Prudential just announced today that their least expensive term insurance product, simply the best deal going in the $1,000,000 and up amounts will have a rate increase effective May 1. You know that stomach crunching...Pru Comes Through On Build!
It’s been no secret since I followed the Biggest Loser reality series, that while the obesity and BMI challenged might pay a little more for their life insurance than folks that are under the BMI threshold for overweight, there are companies that do offer fair...Term Insurance Fire Sale!
With the latest news coming today it is no longer conjecture on my part. The downward trend of the past 15 years in life insurance has hit bottom. ING Reliastar today announced increases in their term insurance rates. I guess the only good news coming from them is...The Hinerman Group
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