What is a stroke or cerebrovascular accident? A stroke occurs when brain cells die due to lack of oxygen caused by poor blood flow in the brain. The poor blood flow could be a result of blocked or damaged blood vessels. Strokes are one of the leading causes of death in America. The CDC reports […]
Cerebrovascular Accident / Transient Ischemic Attacks Obstruction in blood flow (ischemia) to the brain can lead to permanent damage. This is called a cerebrovascular accident (CVA). It is also known as cerebral infarction or stroke. If the symptoms are temporary without permanent brain damage, the event is called a transient ischemic attack. The most […]
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Life Insurance Products Learn More Term GUL IUL WL SUL Final Expense Simple Issue Market Expertise Learn More Personal coverage (Family Protection, income replacement, college planning). Business protection (Buy/sell, Keyperson, collateral assignments) Methods Learn More Victory assists with field underwriting to help you provide an accurate and realistic quote for each client, whether they have […]
Life Insurance for Tobacco Users Basics Depending on the type of tobacco or nicotine you use, life insurance underwriting can vary drastically from carrier to carrier. I’m talking about cigars, chewing and dipping tobacco, pipe, nicotine replacements (gums, patches, lozenges), and the newer E-cigarettes and vapor cigarettes. There are a few carriers that are more relaxed […]
It is possible for someone with atrial fibrillation to get standard life insurance rates. It is best to ‘shop’ the market because insurance carriers views on this risk vary widely. Treatments are constantly being improved, and those companies they keep up with the associated mortality improvements may be able to offer better classes.
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 […]
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 […]
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 […]