What happened to all those term policies you sold in the last 10 plus years? Term life insurance is bought more than any other life insurance. Some purchasers may only want it for the term period they selected. But many may want to continue coverage past the selected level premium period. For many purchasers this […]
Skin cancer and life insurance Many people with skin cancer think that it might be difficult getting affordable life insurance. Some people may have difficulty if their cancer has spread. Fortunately most people that have had skin cancer can get standard rates on their life insurance. The extra rating, if any, will depend on the […]
Prostate Cancer and Life Insurance According to The American Cancer Society about 14% of men will develop prostate cancer in their lifetime, 60 % of diagnosed cases are for men older than 65. It is the second leading cause of cancer death’s in men, behind lung cancer. What are life insurers concerned with? Most prostate […]
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 […]
Can someone with abnormal liver function get life insurance?
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.
Diabetes What is Diabetes? Diabetes is a condition in which the body fails to produce enough insulin, or fails to process insulin normally. Can Diabetics get life insurance? Of course, however, there are some guidelines and restrictions as a result of secondary issues from irregular pancreas function. Insulin is normally produced in the pancreas. It […]
Colon cancer and life insurance Colon cancer is the second leading cause of cancer deaths in the US. According to cancer.org the lifetime risk of developing colorectal cancer is 4.7% in men, and 4.4% in women. Most colorectal cancer arises slowly from an adenomatous polyp over 7 to 15 years. Normally, cells will grow and […]
Crohn’s disease and life insurance According to The Crohn’s and Colitis Foundation Crohn’s disease affects about 700,000 people in the United States. 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 […]
Colorectal cancer and life insurance Someone with colorectal (colon or rectum) cancer may find it difficult to get affordable life insurance. Many life insurers look unfavorably at people with some colorectal caners because the statistics show that a certain percentage of these people will die prematurely. According to The American Cancer Society Colorectal cancer is the […]