So one of your clients tested positive for marijuana on their life insurance exam. Now what??? With recreational marijuana use becoming more socially acceptable and even legalized in a few states, it is only natural to have some clients applying for life insurance test positive for it. A recent Gallup Poll shows 7% of US […]
Impaired Life Insurance Underwriting
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 […]
Diabetes and life insurance According to the American Diabetes Association in 2012 almost 10% of the American population were afflicted with the disease. And, over 25% of senior Americans (age 65 or older) were afflicted. Insulin is produced in the pancreas and is responsible for controlling the way your cells metabolize sugar . Type 2 […]
Crohn’s disease and life insurance Crohn’s disease is a chronic inflammatory bowel disease. Sometimes called regional enteritis. There may be inflammation of any part of the gastrointestinal tract from mouth to anus. Inflammation can spread into many layers of the affected tissue. Commonly affected areas are the terminal ileum, colon and anorectal regions. Clinical features […]
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.
Life Insurance for someone with Asthma, COPD, other Respiratory Diseases Someone with asthma may be able to get preferred rates for life insurance. Bronchial asthma is characterized by shortness of breath and wheezing due to constriction (narrowing) of the smaller airways. Asthma is considered an inflammatory disease, and as such, treatment is geared towards limiting […]
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 […]