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...
Occasional Cigarette Non Smoker Life Insurance?
Back in the day there was a company that underwrote life insurance for “social smokers”, which by their definition was anyone who smoked maybe two or three cigarettes a day. That was US Financial, the author and creator of the clinical underwriting idea....Is The MIB The Life Insurance Bad Guy Or Good Guy?
Second only to life insurance agents for being blasphemed by the life insurance buying public is the Medical Information Bureau, or MIB. The MIB is a super warehouse of health and lifestyle information gathered from life insurance applications as they are processed by...Do Life Insurance Underwriters Have Emotions?
I know I go through some weeks sure that all life insurance underwriters are kind of mechanical. They look at the records and the labs and look in their underwriting guide and stamp the appropriate approval on it and then on to the next. No emotions. Just the facts...The Quickest Route To Non Smoking Life Insurance Rates!
I had a call today from a couple who had stepped up to the plate a little over two years ago when they decided it was time to have a baby and they quit smoking. Now these weren’t real serious cigarette smokers, maybe smoking one in the evening or if they were...Best Smoking Rates On Life Insurance!
As independent life insurance agents there is a kind of longing for the good old days when US Financial offered non smoking rates to social smokers and when CNA would issue a policy to a smoker at non smoking rates, with the caveat that they had to quit smoking within...What If Your Life Insurance Agent Asks You To Lie?
Let me answer the question first and then go on to explain. Tell the agent NO and go find an agent that can deal with the truth, the whole truth and nothing but the truth. I have been helping a client with type 1 diabetes get life insurance. He had been declined by...How Is Zander Doing For All Of Us Dave Ramsey Fans These Days?
I got in a bit of a tiff with Zander Insurance Group about a year and a half ago over, at that time, their not showing the best preferred smoker rates when their clients were getting on line quotes. Being a long time Dave Ramsey fan and moderator for his Financial...Seven Reasons For Thinking About What You Say!
I was reading an article on MSN Health yesterday about how to talk to your doctor. It struck me that the same things would hold true for how to talk to a life insurance (or health insurance) agent. It also reminded me of previous posts where I’ve talked about...Sorry Honey!! It Was Life Insurance Or Quit Smoking!!
Let’s just cut to the chase on this subject. Men who smoke very often don’t carry life insurance because smokers have to pay, in general, 3-4 times more than a non smoker of comparable health. They have decided that the extra premium means life insurance...Life Insurance Treatment Of Marijuana!
Life insurance has this whole little underwriting niche that comes under the heading of lifestyle. It’s not about health or family history and it’s not about your lab results, it’s about, well, your personal life. Probably the most common lifestyle...Hello! I Mean Really, Hello!
I would be the last person in the world to say that habits are easy to change, especially bad, life long, ingrained habits. But no kidding, there are some cases I really can’t wrap my mind around. The one that caught my “you’ve got to be...Zander Insurance Charging Dave Ramsey Stupid Tax To Smokers!
I’ve never been seen smoking and I suspect that Dave Ramsey isn’t real big on the habit either, but after spending the last year and a half immersed in Dave Ramsey through his Financial Peace University, I am convinced that Dave Ramsey wouldn’t want...Hello!!! Time To Review Your Medical Records!!
If anyone out there is suffering from the illusion that your medical records are accurate, let me clue you in. The chance that your records contain substantive errors is about 75%. The chance that your records are error free is within the margin of error for 0%....Fun After Life Insurance? Sure!
I finally got my wife to look the other way while I jumped out of an airplane for my 54th birthday. She’s always so nice about asking me what I want for my birthday, and for the past 5 years I hadgreat present. She steadfastly refused, not wanting to be a party...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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