Category: Eligibility and Underwriting

Looking under the microscope of insurability factors.

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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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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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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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Breast Cancer: A Life Insurance Deal…Maker?

Some people have a tough time getting life insurance. This is especially true of people with a cancer history. Women with a history of breast cancer can sometimes feel it’s almost impossible to get a policy. But the good news…
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How Climbers & Divers Can Save Money

Greedy life insurance companies are NOT out to rip you blind. Men and women who enjoy adventurous hobbies like scuba…
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Drug Policy and Life Insurance

President Obama may be taking a less punitive approach in his drug policy. Jacob Sullum reports in Reason.com that halfway into his last term, the president is apparently reconsidering the aggressive role the federal government has been playing in the…
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Why Do People Lie About Their Smoking?

It is well-known that insurance applications ask about the smoking of tobacco. Here is an example: 1 Do you use tobacco in any form? 2 If yes, what type of product(s) have you used? 2a Cigarette? 2b Cigar ? 2c…
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Who Should Decide What New Drugs You Take?

ALS, also known as Lou Gehrig’s disease, is very serious. It is virtually a diagnosis of terminal illness. As such, life insurance underwriters typically do not make offers. A few guaranteed-issue products that are good for burial money could be…
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“Can I Get Life Insurance With a Criminal Record?”

Throughout my career in the life insurance industry, I have come across an amazing number of people with a criminal record. Some examples include: a male teacher having sex with a (willing but technically underage) girl (and not his student);…
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