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PostIf you’ll recall from an earlier article, your heart functions due to electrical impulses, which tell it when to contract. These impulses begin at the sino-atrial (SA) node and are conducted to other areas of the heart in specifically timed intervals. When these passages are blocked or are interrupted, heartbeat abnormalities occur. Not only can...
If you’ll recall from an earlier article, your heart funct...
PostBefore we discuss today’s heart health topic any further, we want to address something for those of you who read our blog. The common notion is that any heart disease will prevent you from obtaining life insurance. This simply isn’t true. We write these posts to educate you on what it is that agents and...
Before we discuss today’s heart health topic any further, ...
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PostThink of your heart as an engine running a machine. All of the parts of the engine need to be functioning properly in order for the machine to run. When your heart isn’t firing on all cylinders, so to speak, your blood cannot carry oxygen to the 75 trillion cells in your body, and your...
Think of your heart as an engine running a machine. All of t...
PostBy now, you’ve probably detected a pattern with underwriting life insurance for any high risk disease: each situation is looked at individually, meaning not all risks are created equal. For many of our clients, this is incredibly frustrating. Perhaps the biggest frustration our clients have occurs when they find a less expensive life insurance policy...
By now, you’ve probably detected a pattern with underwriti...
PostOne of the most important parts of the human body is the heart. This muscular organ is responsible for pumping blood, which carries oxygen and nutrients to your body, while simultaneously carrying away waste. How Your Heart Health Affects Life Insurance Unfortunately, for playing such an important role, heart health is often neglected. In fact,...
One of the most important parts of the human body is the hea...
PostToday’s topic in life insurance is going to focus on the effects of drug use on your life insurance premium. Drug use is a difficult one for underwriters, as it has many definitions and the severity can range from an occasional aspirin for a headache to abuse of prescription pills to severe and dangerous addiction...
Today’s topic in life insurance is going to focus on the e...
PostWhat would happen if one day you woke up and forgot how to tie your shoes? What if you forgot your route to work, or your best friend from college, or the faces of those you love? These hypothetical scenarios are scary realities for roughly 5.4 million Americans suffering from Alzheimer’s and dementia. If you...
What would happen if one day you woke up and forgot how to t...
PostMany of our clients come to us concerned that certain medical issues will mean they cannot find life insurance. This is partially why we research and write these articles; to clear any common misconceptions about how underwriters and insurers view “high risk” clients, and how your risks might impact what you pay for coverage. How...
Many of our clients come to us concerned that certain medica...
PostMore than 3 million Americans are diagnosed with Chronic Obstructive Pulmonary Disease (COPD) every year. This degenerative diseases of the lungs are incurable, and is the third leading cause of death in the United States, according to the American Lung Association. Sometimes referred to as Chronic Obstructive Lung Disease (COLD), COPD can be caused by...
More than 3 million Americans are diagnosed with Chronic Obs...
PostIf you have ever heard the term “you are what you eat” and ignored it, you may have been doing yourself a grave disservice. Particularly if you are looking to lower your life insurance premium. It’s not unreasonable to enjoy a hamburger or a steak every now and again; however, being aware of what foods...
If you have ever heard the term “you are what you eat” a...
PostAs you’ve probably already learned from our earlier articles, misconceptions about cancer risk are common in the life insurance industry. This is because underwriters err on the side of rating applicants at a higher risk class with cancer. It is the job of an underwriter to help a life insurance company take on the most...
As you’ve probably already learned from our earlier articl...
PostGetting a life insurance policy while having a charge for Driving Under Influence (DUI) or Driving While Impaired (DWI) on your record can be tough because many life insurance companies will turn you down. You may end up wondering, is it even possible to get any type of life insurance with a DUI? Some will...
Getting a life insurance policy while having a charge for Dr...
PostIn an earlier post, we discussed how Hodgkin’s lymphoma could impact your life insurance premium. What we did not cover is how non-Hodgkin’s lymphoma affects the way underwriter’s assess your risk. This is because underwriters treat non-Hodgkin’s lymphomas a bit differently. Non-Hodgkin’s lymphomas are cancers that occur in the lymphoid tissues. Classifying these types of...
In an earlier post, we discussed how Hodgkin’s lymphom...
PostEvery three minutes, one person in the United States is diagnosed with blood cancer. According to the leukemia and lymphoma society, leukemia, lymphoma, and myeloma are expected to account for approximately 10.2% of the 1,685,210 estimated new cancer diagnoses in 2016. Currently, roughly 1,237,824 individuals in the United States are either in remission from or...
Every three minutes, one person in the United States is diag...
PostCancer can happen to anyone and can occur in any part of the body. If you or someone you love has been diagnosed with cancer, you are most likely facing one of the most trying times of your life, filled with fear and uncertainty. We believe that these feelings of anguish should never be exacerbated...
Cancer can happen to anyone and can occur in any part of the...
PostThe life insurance industry is changing and, with it, the way underwriters and carriers view the risk factor of their clients. This means that even clients with high-risk diseases find it possible to find a life insurance option to suit their needs. Individuals who have been diagnosed with cancer and are shopping for life insurance...
The life insurance industry is changing and, with it, the wa...
PostIt’s no secret within the life insurance industry and to those shopping for life insurance that the older you get, the more difficult it is to find affordable premiums and to earn a low-risk rating. This is because mortality risk increases the older an individual gets. How Bladder Cancer Affects Life Insurance As you age,...
It’s no secret within the life insurance industry and to t...
PostMany aspects of your health are taken into consideration when you are applying for medically-underwritten life insurance. Most, like your weight, diet smoker’s status and the amount of physical activity you engage in, can be managed. But what if we told you that some medical issues may not even be discovered until the time of...
Many aspects of your health are taken into consideration whe...
PostIf you reach for a glass of wine at the end of the day, you aren’t alone. In fact, it is common for many adults to indulge in a drink with dinner or to unwind for the evening. But what happens when “a drink or two” becomes excessive? Does Alcohol Use Affect Life Insurance? There...
If you reach for a glass of wine at the end of the day, you ...
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