Alcohol, drug abuse, and life insurance For the majority of drinkers of alcoholic beverages, there is little risk to health or longevity. However, excess alcohol intake has a substantial impact on mortality. Excess alcohol consumption has been associated with heart problems such as alcoholic cardiomyopathy (which is a weakening of the heart muscle), arrhythmia, atrial fibrillation, ventricular tachycardia. Other […]
What is sleep apnea? Sleep apnea is a disorder in which breathing is repeatedly interrupted during sleep. Complete cessation of breathing is known as apnea while hypopnea is partial cessation of breathing. Why do life insurers care if you have sleep apnea? During apnea episodes the oxygen level in the blood falls. Persistent low oxygen levels […]
Life Insurance and Multiple Sclerosis According to the National Multiple Sclerosis Society about 1 million people in the US have MS. It is very possible to get life insurance for someone with Multiple Sclerosis. The rating will be dependent on the severity of the disease. In MS the immune system attacks the myelin sheath, which […]
Can someone with mitral valve prolapse get life insurance?
Epilepsy, seizures and life insurance Finding the most favorable rating on life insurance for someone with epilepsy may require ‘shopping’ the case to several markets. Life insurers differ in their levels of experience and expertise in certain illnesses and impairments, including epilepsy. Consequently, life insurers can view the same case and yet make quite different […]
Routinely we get calls from parents, seeking to obtain life insurance on their young children. Unfortunately, sometimes that child has a severe health condition and is uninsurable. We now have a solution with one of our highly competitive term (and UL) carriers! When a parent purchases their own policy with the Child Rider, all children […]
I saved this article from nearly 6 years ago. Doctors knew what was going on, as did the makers of e-cigarettes. 6 years later, the makers of e-cigs are doing nearly $4B in sales a year while 13 year old are getting addicted to nicotine with irreversible lung damage. Source: E-Cigarettes Just More Smoke and […]
Stand out from the crowd: perform the more difficult job and make it look easy. Many insurance agents shy away from trying to help people with health impairments because it looks like more work. It is more work, but it’s worth it: and not just monetarily. Yes the premiums are larger, but so are the […]
Do you have clients that are “too old” for term life insurance? The current financial pundits like Dave Ramsey and Suze Orman recommend term life instead of cash value plans. But, what if your client is too old for your term life plans. At age 60 most companies will not offer anything longer than a […]
If you think you are immortal? I beg to differ and so does the Social Security Administration. See the US Social Security Mortality Table 2013 Based on their table I’ve calculated some odds. Our clocks are always ticking. Male Age Odds you’ll be dead in 20 years Odds you be dead in 30 years 30 4.72% […]