Category: Eligibility and Underwriting

There is hope for people who have been declined for life insurance – part four

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… Read More

There is hope for people who have been declined for life insurance – part three

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… Read More

There is hope for people who have been declined for life insurance – part two

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… Read More

There is hope for people who have been declined for life insurance – part one.

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… Read More

Why is life insurance underwriting so rigorous?

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.… Read More

Who is “high risk” for life insurance?

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… Read More

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 this for over three decades, and I can tell you, it is mind-boggling 🙂. The thrust of the changes… Read More

An update on how life insurance underwriting is using Electronic Health Records (EHR)

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… Read More

The Wonderful Wizard of Odds

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… Read More

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… Read More