"Eligibility and Underwriting" Table of Contents

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 disclosing personal information in these areas. Maybe they had a tough time battling... READ MORE

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 insurance policy. You were just starting a family, buying a house, and stretching your money thin due to other financial demands. So, you purchased a low-cost 15-year term policy. Now, it’s 15 years later, you still need life insurance, and you still have financial demands, but now your policy’s renewal premium is significantly higher than when... READ MORE

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 survivors. In my work helping them to purchase life insurance, I have developed an affection and admiration for many.

When you find out what these folks have been through, it makes you cringe. Some have experienced horrible abuse, sexual and otherwise – at home. At school... READ MORE

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 or fifteen years ago. Now you have successfully... READ MORE

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 is that it could be easier than you think… READ MORE