Purchasing life insurance for income replacement is not exactly a popular activity. The traditional worldview saw death as a part of life. In modern times, we separate the two. The subject of death is something we try to avoid. Oh…
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Every 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…
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I 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…
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I am an independent life insurance broker who owns his own business. Like many of my peers, I was once a captive agent with an insurance company. When I left to form my own brokerage, I had to build my…
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Six 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).…
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I 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…
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My eighty-year-old mother has been in a nursing home for a few years. After an aid noticed blood on her undergarments and found her chest to be discolored and deformed, she was sent to an oncologist – who then discovered a…
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How to Choose Between Term Insurance and Permanent Life Insurance? The Youngest Son Replies. A Family Discussion is Completed (click here for Part 1, and here for Part 2) “How to choose between term insurance and permanent life insurance? That is the question you…
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We in the life insurance business must coach people in how to be “other- oriented.” The benefit is, after all, for other people. We are especially gratified when we see other professionals preaching the same virtue. Studies have been published…
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This is a fine article about why single people need life insurance. I have highlighted a few major points and added my comments. Do any of these reasons surprise you? “It’s cheaper to buy a policy when you’re young and…
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