What If All Life Insurance Was Easy?

by | Nov 1, 2014 | Alcohol Treatment Life Insurance, approval, Drug Treatment Life Insurance, DUI, high net worth, impaired risk life insurance, insurance, life insurance, life insurance approval, physicians life insurance

I can tell you without hesitating that I wouldn’t be in the life insurance business if I was just churning out easy business and that isn’t to say I couldn’t make good money doing it. It is the challenges of working with underwriters to find a way to...

Does Your CEO Need Cash Value Life Insurance?

by | Oct 29, 2014 | business life insurance, buy/sell life insurance, cash value, CEO life insurance, death benefit, insurable interest, key man insurance, life insurance, term insurance

There are definitely two schools of thinking on the subject of how to handle executive life insurance, especially key person policies. Just to put this in perspective, I’m kind of an old guy and I would call the idea of using cash value policies to fund key...

OK. I Get It, But Is It Going To Kill You?

by | Oct 27, 2014 | angioplasty, approval, bypass surgery, CEO life insurance, coronary artery disease (CAD), decline, ejection fraction, heart attack, insurance, life insurance, life insurance approval, LVEF

I guess on some level I get that if you have coronary artery disease, you will always have it and I get that people with early onset CAD, actuarialy life insurance speaking are a worse life insurance risk than someone who is diagnosed, say, in their 50’s. But...

Nothing To Lose? Are You Sure?

by | Oct 27, 2014 | business life insurance, buy/sell life insurance, CEO life insurance, executives, impaired risk life insurance, insurable interest, insurance, International Business insurance, key man insurance, life insurance

I get that business people get tired of hearing about all of the kinds of insurance they should be carrying because I am one. I carry more than what’s required by law in errors and omissions insurance just because of the litigious nature of our country. I err on...

Final Expense Whole Life In Perspective!

by | Sep 17, 2014 | AARP, conversion, Conversion to a permanent product, Independent agent, insurance, insurance quotes, life insurance, Protective Life, term insurance, Type 2 diabetes, whole life

I got a call a few days ago from a couple who are both 74 years old. They have had Protective term life insurance in force for several years and decided to look at converting $25,000 for final expense purposes since their conversion option ends next year. Seeing...

Is Genworth Life Screwing Loyal Customers?

by | Aug 21, 2014 | Burial insurance, conversion, Conversion to a permanent product, final expense life insurance, financial adviser, honesty, insurance, life insurance, no lapse guarantee, term insurance, universal life

Hopefully that got your attention if you have a Genworth Life or First Colony “Colony series” term life insurance policy. The company had to make a business decision about their low cost super competitive term conversion product, the Genguard no lapse...