Blog

“Can My Child Get Life Insurance – Without Vaccinations?”

Epidemic and pandemics are of great concern to life insurance companies. Diseases that can significantly increase the probability of early death or disability are watched like oncoming cyclones. Emerging cultural attitudes and changes in public medical policy are noted for their… Read More

Is It Hard for Seniors to Get Life Insurance?

The world of medical technology never ceases to amaze. New and improved diagnostic studies, procedures, and lab tests are constantly being invented. As you can imagine, life insurance companies eagerly avail themselves of these tools. They want to make as… Read More

Happy Birthday to Jeralean Talley, the Oldest Living American!

Mrs. Jeralean Talley turned 115 this past Friday. She is a remarkable woman. She gets around on her own with the help of a walker. She went fishing last year. She has a 14-month old great-great grandson. And she is… Read More

“I Survived Sexual Abuse. Can I Get Life Insurance?”

Michael Reagan, the eldest son of Ronald Reagan, recently disclosed to the world that he is a survivor of sexual abuse as a child. If there’s one thing I’ve learned while helping survivors of abuse to get life insurance, it’s that… Read More

Are You “Mad As Hell” About Our Veterans?

Military veterans often come to our firm for help with purchasing life insurance. They frequently have a history of serious illness that needs special attention from underwriters. In order to prequalify them and quote a rate at which they will… Read More

What Makes Life Insurance Worth the Money?

Life insurance is often confused with other forms of insurance, and with investments. When people do this, they tend to incorrectly assess the value of the product. The fact of the matter is that conventional cost-benefit analysis is insufficient by… Read More

“What If I ‘Lie’ On My Insurance Application?”

A recent court case in Colorado illuminates one potential problem when a life insurance application contains erroneous information. Here are the facts: A life insurance agent miswrote the age of the insured/applicant on the application. He made her six years… Read More

Should the Government Recognize Your Marriage?

From a life insurance underwriting point of view, marriage is neither a deal-maker nor a deal-breaker. I have been able to get policies for a man and woman who were legally-married partners; two men who were legally-married partners; two women… Read More

Should a Stay-at-Home Mom Buy Life Insurance?

In celebration of Mother’s Day, we will talk a bit about life insurance for a stay-at-home mom. Here is our scenario: Mr. and Mrs. Jones are a young couple in their late 30s. He is an executive with a major corporation.… Read More

What is the Right Way To Take Care of the Poor?

Pope Francis has called for governments to redistribute wealth to the poor. He is doing so to help reduce what he considers to be an “economy of exclusion.” I share that spirit of generosity. I know you do, too. This… Read More