Eligibility and Underwriting

Looking under the microscope of insurability factors.

How can I qualify for life insurance with a fatty liver?

font-illustration-letter-q_MJMrdDjdI just found out that I don’t even qualify for insurance due to my fatty liver, which may be alcohol related. So what can I do? I can’t get rid of a fatty liver, even if it’s because of my diet or my meds. And it’s really important to me to leave money for my family. What are three things I can do to qualify for life insurance?

[Read more…]

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Can I get standard rates with prediabetes?

font-illustration-letter-q_MJMrdDjdSix months ago, I was declined for a $500k, 20-year term life policy because my blood sugars were a little elevated. Not quite Type 2 Diabetes status. Since then I’ve lost twenty five pounds (I’m currently six feet, two-hundred pounds). What can I do to get insured at standard, or even sub-standard, rates?

[Read more…]

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Am I Insurable After So Many Painkillers?

font-illustration-letter-q_MJMrdDjdI used to have a problem with taking a lot of painkillers. Buprenorphine helped me with that and I’ve been bupe-free for about a year now…but now I’ve got THAT in my patient history! I haven’t used anything “questionable” in over three years – nothing illegal, nothing legitimately prescribed but taken irresponsibly, and nothing that wasn’t prescribed by a doctor. I’m clean as a whistle and I work out almost daily. I need another $500k in coverage but I’m afraid that no life insurance company will even look at me because of my history with painkillers. Does this ever change? What can I do to make myself a better candidate for life insurance?  [Read more…]

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Should I Take An Exclusion For “Risky Activities”?

font-illustration-letter-q_MJMrdDjdEvery life insurance policy that I’ve looked at required an answer to the “risky activities” question; even if they didn’t ask in the initial forms, they asked it later on. I chose not to lie and was denied coverage when I applied. The best offer I’ve gotten is a policy with an exclusion for the risky activity, rock climbing. Should I take the policy? Could I have refused to answer the question in the first place? [Read more…]

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Pot, the President, and Life Insurance

President Obama’s recent remarks about marijuana have “stirred the pot” about this controversial topic. To what extent current laws should be changed has once again entered the national debate.

In the life insurance business, we must deal with the situation as it is today. So, this is a good opportunity to share some pointers about how to get life insurance when you smoke marijuana.

1. It it is important to know that you can get non-smoker rates even if you are a pot smoker, under certain conditions. You can even qualify for preferred underwriting.

2. You must go through full disclosure and be comfortable detailing the frequency, amount, and duration of your habit. In addition, you must disclose the prior use of hard drugs, if applicable.

3. If your doctor’s notes indicate that you are suffering from anxiety or depression, and that you have been self-medicating for this with marijuana, that may create an obstacle.

4. Strict ethical and legal privacy protection constraints prevent the broker, the general agent, and the carrier from reporting your drug use to the authorities.

5. Medical marijuana is typically treated the same as recreational marijuana. Some exceptions may exist.

These are simply guidelines. Prequalification would give you a firm understanding of what pricing would be available to you.

What other questions on this topic would you like to see addressed?

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

How to Get a Life Insurance Quote Without Risking a Formal Application

How to Get a Life Insurance Quote: One of the Big Questions in Life

“How can I get a life insurance quote?” This is a question men and women across the country are mulling over. It ranks right up there along with the other major life issues people ponder in the deepest recesses of their souls. “Who will I marry?” “How can I get rich?” “What makes me happy?” “When will we have world peace?” And, “How can I get a life insurance quote without risking a formal application?”

Why is this question such a big deal? It is because nobody likes to go through life insurance underwriting.

Life Insurance Underwriting Can Be Really Tough

dreamstime_xs_15764134Life insurance underwriting can be so tedious, so time-consuming, and so nerve-racking, people would do just about anything to avoid it. The application and other required forms can seem endless. The exam can be inconvenient and bothersome. The constant probing into all parts of your life can be intrusive.

Perhaps the most stressful part of underwriting is the uncertainty about the outcome. All too often, people submit a formal application on the hope and the prayer they will be eligible for coverage, and at the price they want. Yet also all too often, they do not get approved at the price quoted. Or, they get declined altogether! They have then basically wasted three months for nothing.

But: what if people were confident of an approval at the price quoted? That would make all the difference in the world. They would go through the underwriting process with satisfaction because they would know the final result would be worth it.

How Can You Get a Life Insurance Quote? Start with Prequalification

Prequalification takes place when the broker does all the homework up front. All the risks and underwriting challenges a potential applicant poses are addressed on a preliminary basis. The applicant’s personal and family history is disclosed. Medical records are obtained and reviewed for potential problems. Professional advisors, such as an accountant, attorney or banker, are consulted if needed.

Very importantly, the potential applicant is given an opportunity to tell her story in her own words. She can give perspective on the tough times in her medical history, driving record, or finances. The broker can assist as well and provide a solid testimonial on her behalf.

The broker directs this process until he feels a thorough and accurate package of quote information has been assembled. Then it is time to go to market – still without a formal application!

How Can You Get a Life Insurance Quote? Reach the Right Underwriters

The risk profile that the broker has compiled on behalf of the client must be presented to the right underwriters. Who are they? The fact of the matter is that different underwriters have expertise in different risk areas. Some are very familiar with cardiac conditions, while others know the ins and outs of rock climbing. The broker must have the contacts and the relationships to make a good match between an underwriter and a candidate.

Once this connection is made, then good things can happen. The underwriter will be able to assess the level of risk a potential applicant represents both fairly and aggressively. Negotiations between the broker and the company can proceed smoothly because everyone is on the same page. This is the type of business the company wants, and therefore everyone has an incentive to make it work.

The rate offered by the underwriter will then be both competitive and reliable. Prequalification has given all parties involved the confidence that formal underwriting would now be worthwhile.

Additional Resources on Getting a Life Insurance Quote

The Wall Street Journal and NOLO  both have useful guides on shopping for life insurance.

“Compare term life insurance rates at no cost from top rated companies in seconds.”
 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

“I thought I was managing my depression well enough, but my doctor’s records say otherwise”

My office has been able to procure an approval at preferred non-smoker rates for our client who has been managing depression of a number of years. One challenge was that his medical records appeared to indicate a certain amount of instability and lack of control. This had taken him by surprise, as his impression was that he and his doctor were in agreement that all was going well.

Fortunately, we were able to consult with him and his doctor to clarify a number of major concerns held by the underwriter. The additional information and explanation was sufficient to sway the underwriter towards a very favorable decision.

Are you managing depression, and have you had trouble purchasing life insurance? What seems to have been the major obstacles in your path to getting the policy you need? Was the problem potentially damaging information in your medical records?

 

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

“I had a cigar a few months ago – but that was the last! (I think)”

What would you do?

Today’s case: “I had a cigar a few months ago – but that was the last! (I think)”

Our client stop smoking cigarettes several years ago, but stopped smoking cigars only several months ago. Several carriers will offer him preferred non-smoker rates now; once he is completely smoke-free for a year, others would also make offers, and their rates will probably be lower.

His decision is this: if he buys the policy now, he at least would have preferred non-smoker rates, albeit not the lowest around. If he waits until year a has passed by, he might get a lower rate, but then again, another condition might develop that would bring the price up. And – he might start smoking again! You never can tell.

Would you buy now, or hold out for a potentially lower rate later – but in the process take the risk you might not be as insurable?

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

How Veterans with PTSD Can Get Good Life Insurance Rates

dreamstime_xs_24681379Many veterans with PTSD (Post Traumatic Stress Disorder) are denied life insurance. Why does this happen? And, how can these declinations be turned into approvals? My firm has helped many people with this condition purchase a policy. Let’s take a look at some of the underwriting challenges that are typically addressed.

First of all: how do people get PTSD?

Veterans with PTSD have served our country in both combat and support functions. They become over-stressed from the intensity of their experience. They develop symptoms such as flashbacks, emotional detachment, and jumpiness.  WebMD has a good overview of PTSD .

(As a side note, it must be mentioned that other members of society can also unfortunately suffer these symptoms, and have problems purchasing life insurance as well. I have been contacted by a number of first responders to the 911 terror attacks who have been denied life insurance because of PTSD. Rape victims and sexual abuse survivors can also have trouble getting coverage. So can people who escape severe automobile accidents or natural disasters such as hurricanes.)

These symptoms are not sufficient in and of themselves to get veterans with PTSD denied life insurance; however, their influence on a potential applicant’s life can affect eligibility.

What does an underwriter need to know about PTSD?

An underwriter will ask questions like these:

  1. Have other psychological or neurological conditions developed, such as depression or anxiety?
  2. What medications in total have been prescribed, and has the potential applicant been compliant with medications? 1
  3. Are any natural or alternative methods for coping and managing stress being utilized?
  4. Is the potential applicant unfortunately using destructive modes of “self-medication” such as alcohol or drug abuse?
  5. Have there been any suicidal thoughts or attempts?
  6. Is a strong support system in place, such as family, community, or a fraternal group such as AA?
  7. Has work been adversely affected?
  8. Are private or government disability benefits being collected?

Clearly, veterans with PTSD must manage multiple medical and lifestyle issues. A slip or a setback in any one of these areas can result in a declination. This can be true even though the specific cause for denial can be a problem only tangential to the diagnosis. Yet, in many cases there is reason to be optimistic about eligibility for coverage.

Room for hope for veterans with PTSD

Many, many veterans with PTSD have come a long way from their traumatic experience. They may have been unable to work in the past, but now they have a flourishing business. In the dark days they may have been drinking too much, but now they’re living a healthy lifestyle. Whereas last year they were taking medication for both depression and anxiety, they now have a scrip only for anxiety.

These are all pluses that must be given the influence they deserve in the prequalification process. When properly handled, they can turn veterans with PTSD who cannot get life insurance, into policy owners with sufficient coverage for their families, businesses, and estates.

Do you know any veterans with PTSD, or others who have survived traumatic experiences but are having trouble purchasing life insurance? Please ask them to give me call.

Notes:

  1. I am aware of efforts currently in progress to develop new drugs to deal with PTSD, including the potential vaccine under study at MIT. Underwriters may consider the potential future effect, but certainly focus exclusively on the immediate remedial benefit any one of these potential solutions may have.
 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

What You Should Know About the Dangers of Prostate Cancer Treatment

dreamstime_xs_24914656In a prior post, some issues related to procuring life insurance by people with a history of prostate cancer were discussed. Eligibility for coverage was looked at from both a medical, and also a lifestyle point of view. Specific focus was placed on the approach used by physicians in prostate cancer treatment.

In this post, I will continue to focus on the role of the physician in confronting this disease. Specifically, we are going to learn a bit about the bias some doctors may have towards using radiation when treating prostate cancer.

The New England Journal of Medicine: Self-Referral Can Lead to Over-Use of Radiation

The New England Journal of Medicine recently published a study by Jean M Mitchell, PhD. Dr. Mitchell focused on the use of radiation treatment (IMRT: intensity – modulated radiation therapy) for patients with prostate cancer by both urology groups that own this technology, as well as urology groups that did not. What did she conclude?

“Urologists who acquired ownership of IMRT services increased their use of IMRT substantially more than urologists who did not own such services. Allowing urologists to self-refer for IMRT may contribute to increased use of this expensive therapy.” (1)

Dr. Mitchell elaborated on her findings in an interview with Bloomberg.com. She suggests that urology groups who can self refer over-use this expensive therapy.

Clearly, the unnecessary use of expensive technology for treating prostate cancer can have an adverse economic effect. At the same time, the health of certain patients may also be jeopardized.

“The situation may actually harm some patients. The analysis found that doctors who owned the IMRT therapy were treating men ages 80 and older just as aggressively as younger men with early stage prostate cancer. Since the cancer is generally slow-growing, and radiation can carry immediate side effects, including erection problems and urinary symptoms, the older patients may experience only the harms and no benefits.”  (2)

Abuse of the System Can Lead to Health and Underwriting Problems for Patients With Prostate Cancer

From a strict life insurance underwriting point of view, the more medical ailments the potential applicant has, the higher the rate will be. Consumers, brokers, and carriers therefore all have a vested interest in minimizing the over–use of potentially harmful prostate cancer treatment. In the larger economic picture, the incentive to abuse the system should be addressed so that unnecessary waste and potential patient harm in all sectors can be identified and prevented.

This is especially true when treating elderly patients with prostate cancer. Financial commentator Mike Shedlock summarizes the problem this way:

“At a very practical level, the bureaucracy offers little incentive to weed out unnecessary treatment: Medicare hires contractors to issue payments to doctors, and those contractors are paid based not on how many claims they reject but on how many they approve.” (3)

(1) Urologists’ Use of Intensity-Modulated Radiation Therapy for Prostate Cancer

(2) Prostate Cancer Radiation Therapy Rises as Doctors Profit

(3) Unnecessary Surgeries? You Bet! Doctors Treat Patients as ATMs; US Healthcare System Explained in Six Succinct Points

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Good News Regarding HIV and Life Insurance

Celebrities often receive criticism for their fantastic lifestyles and enormous egos. However, 414px-World_Aids_Day_Ribbon.svgone plus side of celebrity status is that they can draw attention to issues and problems facing the rest of society. Here is an example:

In 1991, basketball superstar Earvin “Magic” Johnson announced that he had contracted the HIV virus. This public disclosure precipitated his retirement from the NBA. Magic joined movie great Rock Hudson as a prominent figure with this disease. These men were later joined by tennis legend Arthur Ashe. Certainly, many people of lesser stature were afflicted, such as Indiana teenager Ryan White. The plight of these people received widespread publicity, which fueled the drive to gain control over what appeared to be an epidemic.(1) Since it was a relatively new phenomenon, one big question was the effect this disease would have on mortality over the long-term.

The fact that Magic’s virus was detected though a life insurance exam drew stark attention to the mortality question. His sophisticated compensation contract with the Lakers had included a low-interest loan. Life insurance was needed to indemnify that loan. The results of the insurance exam revealed his positive HIV status. Given the underwriting standards at that time, a life insurance policy was out of the question. The quality of life Magic would lead – and the length of time he would lead it – became matters of public concern.

What did Magic do?

With his sports future in doubt, Magic left the Lakers and launched a new career in business. He became an advocate for the cause and began to speak out on the need for living responsibly, and on other issues related to the spread of this disease. Most importantly, he dedicated himself to getting better. He availed himself of the medications of the time and stayed the course with his treatment.(2)

Now, over 20 years later, we find Magic to be thriving.  He is busy with his family. He is active as a sports analyst, businessman, and AIDS activist. He has started a foundation to promote HIV education and prevention.(3) His success has made him a symbol of hope for the many people with this virus. His longevity, along with the longevity of many other AIDS survivors (some of whom have lived with the disease longer than Magic!), has proven something about mortality and this condition.

Consequently, the life insurance marketplace is now much more accommodating of people who are HIV-positive. When this disease first rose to public recognition, people were lucky if they could purchase a policy for burial and final expenses. Now, policies are available that will provide sufficient benefit to help replace income, indemnify a mortgage or business loan, or cover a key employee. As always, eligibility requirements apply; nonetheless the fact remains that now it is more possible than ever for people with this virus to buy the life insurance they need to secure their affairs.

(1) “My Life.” American Decades Primary Sources. Ed. Cynthia Rose. Vol. 10: 1990-1999. Detroit: Gale, 2004. 343-347. U.S. History in Context. Web. 26 Nov. 2013.
(2)”How Has Magic Johnson Survived 20 Years with HIV?” LiveScience.com. N.p., n.d. Web. 26 Nov. 2013.
(3) Moisse, Katie. “Magic Johnson’s HIV Announcement Resonates 21 Years Later.” ABC News. ABC News Network, n.d. Web. 25 Nov. 2013.
 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Life Insurance and Prostate Cancer


I can help them purchase life insurance. They need the direction of a broker who specializes in these cases, and who can help them get approved at the rate quoted.

About the prostate

I have found that many of my clients who have a diagnosis of prostate cancer, had never paid much attention to that gland. They often feel a need to play “catch-up” to find out more about this troublesome part of their body.

Here is a brief description:

“The prostate is a gland found only in males. It is located in front of the rectum and below the urinary bladder. The size of the prostate varies with age. In younger men, it is about the size of a walnut, but it can be much larger in older men.”

“The prostate’s job is to make some of the fluid that protects and nourishes sperm cells in semen, making the semen more liquid. Just behind the prostate are glands called seminal vesicles that make most of the fluid for semen. The urethra, which is the tube that carries urine and semen out of the body through the penis, goes through the center of the prostate”. (1)

A cancer that is not too hard to find

Tests that are conducted at routine physicals can detect this cancer. These include:

“Most prostate cancers are first found during screening with a prostate-specific antigen (PSA) blood test and or a digital rectal exam (DRE). Early prostate cancers usually do not cause symptoms, but more advanced cancers are sometimes first found because of symptoms they cause. Whether cancer is suspected based on screening tests or symptoms, the actual diagnosis can only be made with a prostate biopsy”. (2)

Obviously, people who schedule annual checkups are well-positioned to catch this cancer early. Unfortunately, not everybody does this. As a matter of fact, every year I have at least one client who had not had a check-up in a while, and who then found he had prostate cancer when he completed his insurance exam! Sadly, the cancer can be fairly advanced at that point. Can you find a lesson to be learned from this story?

Not your average “C” word

In the world of cancer, the ones affecting the prostate do not take up too much room, meaning that they don’t have many types, and one in particular dominates:

“Several types of cells are found in the prostate, but almost all prostate cancers develop from the gland cells. Gland cells make the prostate fluid that is added to the semen. The medical term for a cancer that starts in gland cells is adenocarcinoma.”

“Other types of cancer can also start in the prostate gland, including sarcomas, small cell carcinomas, and transitional cell carcinomas. But these types of prostate cancer are so rare that if you have prostate cancer it is almost certain to be an adenocarcinoma. ..”

“Some prostate cancers can grow and spread quickly, but most grow slowly. In fact, autopsy studies show that many older men (and even some younger men) who died of other diseases also had prostate cancer that never affected them during their lives. In many cases neither they nor their doctors even knew they had it.” (1)

As a matter of fact, I have a relative who has had this cancer for years. The mortality statistics are still sobering, but not necessarily as scary as they are for other forms of cancer:

“Nearly 2.5 million American men live with prostate cancer. Approximately 240,000 will be diagnosed with prostate cancer this year alone, and almost 30,000 will die from the disease.”

“While a cancer diagnosis can surely rattle the nerves of most anyone, prostate cancer is a bit different than other forms like breast, ovarian and lung. In many cases, prostate cancer actually grows very slowly. So instead of harsh and aggressive treatment protocols, doctors may recommend watchful waiting or “active surveillance” (scans, blood testing, etc.) to monitor the cancer and its progression. Men can often go years living with prostate cancer that does not grow, spread or require treatment.” (3)

Who is watching the watcher?

This “watchful waiting” or “active surveillance” approach needs to be handled with care. I have seen physicians push it for too long and let the cancer progress dangerously. Even if they can then intervene with radical treatment , it makes the possibility of purchasing life insurance extremely remote. I have even seen doctors not take a high PSA seriously enough, and attempt to lower it artificially with drugs. Once they finally come to their senses, it can be too late. This has happened to a number of my clients, regretfully.

This approach also places a keen emphasis on lifestyle factors to control the disease. These factors can play a role in an applicant’s’ risk assessment, as has been indicated in prior articles. The more favorable they are, the more favorable the underwriting can be.

“Of course, with the watchful waiting approach, it becomes even more critical for these men to live as healthy a lifestyle as possible. Harmful habits like smoking, excessive drinking, lack of exercise and poor diet can be just the push cancer needs to go from manageable to problematic or even terminal.”

“In fact, important new research has linked bad dietary habits—in particular, eating higher amounts of “bad” fats compared to healthier monounsaturated, polyunsaturated and vegetable fats—with a higher risk of mortality from prostate cancer.” (3)

(1) “What Is Prostate Cancer?” What Is Prostate Cancer? N.p., n.d. Web. 30 Oct. 2013. <http://www.cancer.org/cancer/prostatecancer/detailedguide/prostate-cancer-what-is-prostate-cancer>.

(2)”How Is Prostate Cancer Diagnosed?” How Is Prostate Cancer Diagnosed? N.p., n.d. Web. 30 Oct. 2013. <http://www.cancer.org/cancer/prostatecancer/detailedguide/prostate-cancer-diagnosis>.

(3) “Fat Intake Affects Prostate Cancer Mortality.” Whole Health Insider. N.p., n.d. Web. 30 Oct. 2013. <http://www.wholehealthinsider.com/mens-health/fat-intake-affects-prostate-cancer-mortality/>.

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Life Insurance and Breast Cancer

Breast cancer can certainly affect mortality, and is therefore a focus of concern for underwriters.

Here are some sobering figures from the American Cancer Society that show why:

“In 2013, an estimated 232,340 new cases of invasive breast cancer were expected to be diagnosed among US women, as well as an estimated 64,640 additional cases of in situ breast cancer.”

“That year, approximately 39,620 US women were expected to die from breast cancer. Only lung cancer accounts for more cancer deaths in women.” (1)

These are scary numbers, but as we will see, many women (and men, too, since they can also develop this illness) can take strong measures to reduce their risk.

These efforts can help them better qualify for life insurance.

In life insurance underwriting, both “hard” and “soft” medical data are evaluated. This is clearly seen when people with a history of breast cancer apply for coverage. The hard data addresses such issues as: date of diagnosis; type, stage and grade of cancer; treatment details; general health history; and family medical history.

Yet at the same time, underwriters look at diet, nutritional supplements, alcohol use, and other lifestyle factors for “soft data” about the mortality risk presented. Here is an explanation of some of these factors at play, as identified by wholehealthinsider:

“Researchers estimate that most breast cancer—73 percent—are likely caused by lifestyle and dietary factors and environmental toxins.”

“Using combined estrogen-progestin conventional hormone replacement therapy after menopause increases the risk of getting breast cancer even after using it for as little as two years.”

“Drinking alcohol also increases your risk of developing breast cancer. Researchers aren’t completely sure why this is the case. But it may be because of the harmful effects of acetaldehyde (a substance produced in your body after drinking alcohol), the production of damaging reactive oxygen species that occurs after you drink alcohol, changes in folate metabolism or increased estrogen concentration. The risk increases with the amount of alcohol consumed.”

“Deficiencies in certain nutrients can also increase your risk of breast cancer. Vitamin D and iodine are two nutrients that are especially important for breast health. Vitamin D has caused cancer cells to die in cell culture studies.” (2)

Positive results in these areas can lead to a more optimistic prognosis, and enhance a potential applicant’s eligibility for coverage. If you know people who could need help getting a policy, I am sure they would appreciate your recommendation of us. We would be honored to help.

(1) “Breast Cancer Facts & Figures.” American Cancer Society. N.p., n.d. Web. 16 Oct. 2013. <http://www.cancer.org/research/cancerfactsstatistics/breast-cancer-facts-figures>.

(2) “Breast Cancer: Reducing Your Risk.” Whole Health Insider. N.p., n.d. Web. 16 Oct. 2013. <http://www.wholehealthinsider.com/newsletter/breast-cancer-reducing-risk-2/?campaign=Hlifetime>.

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.

Life Insurance and Diabetes


I can help them purchase life insurance. They need the direction of a broker who specializes in these cases.

The fact of the matter is that most people are insurable, and at a reasonable rate. The key is working with a broker who a) knows which companies will be competitive for which risks; b) has a prequalification system in place so the insured has a commitment to a rate before submitting a formal application; and c) is ready, willing, and able to advocate unceasingly for the client, to insure proper treatment during underwriting.

Most consumers do not receive this level of service, so they end up uninsured, underinsured, or paying too much for coverage. These problems can be fixed, and they should be, because life insurance is essential for securing the dreams of our families, businesses, and charities.

My staff and I recognize that the entire effort of shopping and applying for a policy, can be frustrating to the point of discouragement. Even when people are ready to spend significant money on the premium, they all too often end of feeling somehow “cheated” in that the appropriate product for them was not recommended. This is not an acceptable end-result in my firm.

So, we invest in our clients. Those men and women whom we choose to help, receive our commitment to getting the “job done right”. We deliver a quote that is not only competitive, but is also – and this is crucial – reliable. Both we and our clients can then be confident that submitting a formal application would be worthwhile. We waste neither our client’s time, nor our own.

This is the way we do business. We have helped many, many people find the policy they want. People who have had trouble getting coverage, who expect trouble getting coverage, and even people who do not pose any special risk, but who want to shop for life insurance the right way, have called upon us with great satisfaction.

If you know people who could benefit from our services, I am sure they would appreciate your recommendation of us. We would be honored to help.

Thank you very much for keeping us in mind.

Steve

 

Want to learn more?
Read my free guide, How To Get Great Life Insurance Rates and learn how you can get life insurance companies to compete for your business, at no risk or extra cost.