Finding affordable life insurance when you have a history of depression can be a challenging and complex process. Most consumers understand that life insurers rate according to age and health, but many do not consider the mental health aspect of underwriting....
As we go through our adult lives, it’s typical for most people to accumulate substantial debt when buying homes, automobiles, investing in retirement plans, opening a business, or starting a family. Throughout our younger years, when plenty of life insurance...
As a life insurance agent, I always expect the “eye-roll” which is typically accompanied by a “sigh” the moment I mention the insurance company will order a medical exam. This reaction is typical and I can certainly understand why. Even repeat customers seem to groan...
There is no doubt that single parents have special challenges, especially while trying to balance their work life with their home life. It’s even more challenging when single moms have multiple children to raise while they are working. They have so many balls in the...
Something quite interesting about today’s life insurance market is that very few people pay more premium for being affected by asthma. In the grand scheme of things, only the worst cases of asthma are rated sub-standard by most life insurance companies. Yes, there is...
The Medical Information Bureau (MIB) provides a collection of private medical and non-medical (hazardous avocations, hobbies, and driving violations) data. The primary purpose of the MIB is to furnish the exchange of underwriting information between its member...
