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Eligibility and Underwriting
Category: Eligibility and Underwriting
Looking under the microscope of insurability factors.
In Part Three, we discussed a very common reason for why people get declined for life insurance: Lack of full disclosure. In Part Four we will bring to light a different problem: “Unreasonable” underwriters. I by and large have an…
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In Part Two, we discussed a very commons reason for why people get declined for life insurance: Unexpectedly bad labs. In Part Three we will bring to light a different problem: Lack of full disclosure. A life insurance underwriter needs…
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In Part One, we discussed a very commons reason for why people get declined for life insurance: you applied with the wrong company. In Part Two, we will bring to light a different problem: Unexpectedly bad labs. Think about this…
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Getting declined for life insurance can be frustrating; even traumatic. You need the coverage; you are ready to pay for it; you’ve complied with everything the company has asked. So what’s the problem? There are a number of reasons for…
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Life insurance underwriting is one of the most thorough and comprehensive assessments you will go through in the financial marketplace. Think about all the factors that are covered: your current health. Medical history. Family medical history. Occupation. Hobbies. Lifestyle. Finances.…
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If you have ever shopped for life insurance, you know that underwriters consider some candidates “high risk.” This means that you may have a health, lifestyle, or other factor that could make you more of a mortality risk. The good…
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You would be amazed at the technological advancements being made to accelerate and simplify life insurance underwriting. I have been at this for over three decades, and I can tell you, it is mind-boggling 🙂. The thrust of the changes…
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Ken Leibow, Founder and Chief Executive Officer at InsurTech Express, recently published an update on EHR in Broker World. You would be amazed at the technological advancements being made to accelerate and simplify life insurance underwriting. I have been at…
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In the early days of my career, I worked with a senior agent whom we called “The Wonderful Wizard of Odds.” Clearly it was a play on the “Wizard of Oz.” But unlike the fraud “behind the curtain” in the…
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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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