Was That A Consideration, Option Or Order From Your Doctor?

by | Feb 26, 2015 | application process, blood pressure, compliance, cpap, decline, high blood pressure, impaired risk life insurance, insurance, life insurance, life insurance approval, life insurance underwriting, Sleep apnea

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...

Never Let Your Life Insurance Lapse Accidentally!

by | Feb 12, 2015 | application process, approval, business life insurance, cancer, contestability, customer service, death benefit, estate tax attorney, estate taxes, grace period, insurance, life insurance, life insurance lapse, life insurance second addressee, loyal customers, no lapse guarantee

I just got off the phone with a guy who missed the end of the grace period on his $1 million life insurance policy by 3 days. He called and asked for forgiveness and was told that he could fill out a reinstatement application and, if approved, the policy would be...

So Why Will The Other Guys Just Give A Quote?

by | Feb 9, 2015 | abnormal ekg, abnormal labs, arrythmia, atrial fibrillation, bait and switch, impaired risk life insurance, indexed universal life, insurance quotes, life insurance, life insurance approval, life insurance underwriting

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!

by | Jan 30, 2015 | A1c, approval, compliance, coronary artery disease (CAD), diabetes, gastric bypass, insurance, life insurance, life insurance approval, life insurance underwriting, over 50 life insurance, Type 2 diabetes

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...

Zander Insurance Still Putting Their Comp Ahead Of Clients!

by | Jan 28, 2015 | application process, customer service, honesty, impaired risk life insurance, Independent agent, insurance, insurance quotes, life insurance, life insurance approval

The only reason a sane life insurance agent would quote ING Reliastar, aka Reliastar, aka Voya, is compensation. Understand that there are two, sometimes more, levels of compensation that life insurance companies offer. One is called the “street” level...