fbpx

Category: Eligibility and Underwriting

Looking under the microscope of insurability factors.

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…
Read More

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…
Read More

POWER TO THE POLICYHOLDERS

ARE YOU POWER-HUNGRY? How much power do you think you can handle? What would be the first thing you would do if you were granted more power? How about reducing the rate on your life insurance? Might as well start…
Read More

IT’S 5 AM. DOES YOUR INSURER KNOW WHERE YOU ARE?

HOW MUCH PRIVACY WOULD YOU SACRIFICE TO SAVE MONEY ON YOUR LIFE INSURANCE PREMIUM? Hey – money is money, right? And life insurance can be pretty expensive! And don’t you deserve a lower rate if you get healthier? But would…
Read More

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…
Read More

“EARLY” MARRIAGE IS A BAD IDEA

How do you know when you’re ready for marriage? Different cultures have different customs and laws with regards to marriage. In some places, early or child marriage is prevalent. This practice often offends Western sensibilities. Unfortunately, studies have also shown…
Read More

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…
Read More

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…
Read More

“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);…
Read More

“Can My Child Get Life Insurance – Without Vaccinations?”

Epidemic and pandemics are of great concern to life insurance companies. Diseases that can significantly increase the probability of early death or disability are watched like oncoming cyclones. Emerging cultural attitudes and changes in public medical policy are noted for their…
Read More