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Category: Eligibility and Underwriting

Looking under the microscope of insurability factors.

SEXUAL ABUSE AND LIFE INSURANCE

We all have a personal history. This backstory of your life not only impacts your identity, your life situation, and your relationships, but it also plays a major role when applying for life insurance. In our introductory article about sexual issues…
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SEXUAL ADDICTION AND LIFE INSURANCE

You can’t tune into the news these days without hearing a breaking story about sexual abuse. The #MeToo Movement has brought to public attention the travesty of sexual predation that takes place in many industries. While its initial focus was on show…
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3 TIPS FOR BUYING LIFE INSURANCE FOR PEOPLE WHO SMOKE

It’s a known fact that smoking carries many health effects, such as a higher risk of death, chronic disease, diabetes, and dental issues. But a side effect of smoking that isn’t as obvious is the increased cost of life insurance.…
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POT AND LIFE INSURANCE: ANSWERS TO THE 10 BIGGEST QUESTIONS

Society’s perceptions of marijuana have undergone a drastic change since I was in junior high. Back then, it was normal for schools to assign Tuned Out as part of the curriculum and show “Reefer Madness” in class, with the intended purpose of…
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SEXUAL ISSUES AND LIFE INSURANCE

One of the most talked about cultural and societal issues of late is that of sexuality and gender. The #MeToo movement supporting victims of sexual harassment has brought many secrets to light, with influential leaders in many industries being accused…
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3 TIPS FOR BUYING LIFE INSURANCE FOR PEOPLE WITH AN ALCOHOL HISTORY

Many people believe that you have to be in perfect health and live a low-risk lifestyle to obtain life insurance, but that’s not always the case. Did you know that you can purchase a life insurance policy at a reasonable…
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5 Reasons Why You Should Disclose Your Prior Drug Use on Your Life Insurance Application

Life insurance is probably the most comprehensively underwritten financial product in the marketplace. Everything from current health, to family medical history, to criminal record, is covered – with various lifestyle and health factors in between. Many people are not comfortable…
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What To Do When Your Term Insurance Renewal Rate Spikes

There’s a good chance that when you first purchased a term insurance policy, you were focused on finding a low-cost…
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Life Insurance for the Walking Wounded: People With PTSD

People with Post Traumatic Stress Disorder (PTSD) are among the walking wounded. They have been through a lot. They are…
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I’m Healthy Now! Should I Reshop My Life Insurance?

Yes, you should. You have nothing to lose! I get asked this question a lot by clients who originally bought life insurance when they were dealing with a serious illness. Hepatitis. Diabetes. Heart disease. Recent cancer. But that was ten…
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