Category: Eligibility and Underwriting
Looking under the microscope of insurability factors.
I used to have a problem with taking a lot of painkillers. Buprenorphine helped me with that and I’ve been bupe-free for about a year now…but now I’ve got THAT in my patient history! I haven’t used anything “questionable” in over three…
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Six months ago, I was declined for a $500k, 20-year term life policy because my blood sugars were a little elevated. Not quite Type 2 Diabetes status. Since then I’ve lost twenty five pounds (I’m currently six feet, two-hundred pounds).…
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I just found out that I don’t even qualify for insurance due to my fatty liver, which may be alcohol related. So what can I do? I can’t get rid of a fatty liver, even if it’s because of my…
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My eighty-year-old mother has been in a nursing home for a few years. After an aid noticed blood on her undergarments and found her chest to be discolored and deformed, she was sent to an oncologist – who then discovered a…
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How to Choose Between Term Insurance and Permanent Life Insurance? The Youngest Son Replies. A Family Discussion is Completed (click here for Part 1, and here for Part 2) “How to choose between term insurance and permanent life insurance? That is the question you…
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My office has been able to procure an approval at preferred non-smoker rates for our client who has been managing depression of a number of years. One challenge was that his medical records appeared to indicate a certain amount of…
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What would you do? Today’s case: “I had a cigar a few months ago – but that was the last! (I think)” Our client stop smoking cigarettes several years ago, but stopped smoking cigars only several months ago. Several carriers…
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Many veterans with PTSD (Post Traumatic Stress Disorder) are denied life insurance. Why does this happen? And, how can these declinations be turned into approvals? My firm has helped many people with this condition purchase a policy. Let’s take a…
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How to Get a Life Insurance Quote: One of the Big Questions in Life “How can I get a life insurance quote?” This is a question men and women across the country are mulling over. It ranks right up there…
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In a prior post, some issues related to procuring life insurance by people with a history of prostate cancer were discussed. Eligibility for coverage was looked at from both a medical, and also a lifestyle point of view. Specific focus…
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