Substandard Impaired Risk Life Insurance
Acronyms used in Life Insurance Underwriting part I
If you have ever applied for life insurance or for that matter health insurance you might have run across some words and acronyms that made no sense to you at all. I decided to put this article together to try and list some of the most common acronyms used in life insurance underwriting. The goal [...]
The Truth about Substandard Impaired Risk Life Insurance Underwriting
Substandard Term Life Insurance Policies - How to get the best rates
Substandard Impaired Risk Life Insurance is an industry term used to describe insureds that do not qualify for standard or better rate classes. Life Insurance carriers each have their own rate classes where potential insureds would be classified in and that is how the [...]
Diabetes Life Insurance Underwriting Guide
This diabetes life insurance underwriting guide can and should help you diabetics better understand how to get the best life insurance underwriting when you apply for a policy.
Diabetes is a metabolic disorder that is caused by not enough production of insulin in the body. It is mostly irreversible but can be controlled by diet, [...]
Cancer Life Insurance Quotes and Rates!
If you are a cancer survivor and have had a difficult time trying to find and obtain term life or a permanent type of policy you are in luck. I will be devoting a whole section of the lifeinsurance-pros.com/blog to cancer life insurance and other impaired risk types of issues.
Be patient with me as I [...]
Substandard Term Life Insurance Rates!
What is substandard life insurance anyway? Substandard or Impaired Risk Life Insurance is what the Wholesale Brokerage industry calls it when someone has a health, lifestyle or avocation issue that precluded them from getting the best rates.
We suggest that you shop your case or file to a really good Life Insurance Broker or Agent that [...]
Substandard Life Insurance rates can still be affordable!
Even if you have health issues like Diabetes, Heart issues and Cancer you still can find affordable Life Insurance. Rates have come down over the last few years and the underwriting these days is state of the art. First step is to simply speak with a life insurance broker and possibly shop your case around. [...]
Smokers still are discriminated against for Life Insurance, But Chewers arent!
Chewing Tobacco Life Insurance!
You might not have know that the major life insurance carriers over the past few years have eased the underwriting restrictions quite a bit on insureds who use alternate tobacco. The carriers have decided that cigarettes have a much higher effect on your mortality over chew, cigars or pipes.
What this means to [...]
High Blood Pressure and Life Insurance Rates!
If you have High Blood Pressure or Hypertension you still can find and buy affordable Term Life Insurance plans. I will outline a few important points and tips on how to get the best rates and premiums in this post.
Factors that will affect your underwriting decision:
Your current age
Date you were diagnosed
What medications and treatment has [...]