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Featured Post
Introducing The Life Insurance Underwriting Assistant Tool From LIHD
The Life Insurance Underwriting Assistant is a free consumer facing tool that provides advice (based on the experience of the Life Insurance Help Desk) on the best available life insurance company for 30 + health conditions.
Kim K., Lady Gaga & 7 Celebrities with Lupus
Well, it turns out that it’s not just everyday folks who suffer from Lupus. Whether, Systemic Lupus Erythematosus (SLE) or Discoid Lupus Erythematosus (DLE), several well known figures suffer from Lupus also. Let’s take a look at a few.
Sagicor Goes Consumer Direct How Technology Enables Sleazy Marketing Practices
Recently, a lot has been written about how technology is being employed by several major carriers to facilitate underwriting models that do not call for traditional paramedical exams. Such “no-exam” product offerings are becoming, less a novelty, and more the norm.
Life Insurance Policy Locator Service Returns $17 Million In First 6 Months
he National Association of Insurance Commissioners (NAIC) has announced through a press release that it’s new Policy locator service has returned $17 million in it’s first 6 months of operation. The policy locator service is being utilized to help reduce the number of unclaimed policies across the country.
How your selfie could affect your life insurance
According to published news reports there are several major life insurers who are testing the idea. The science behind the idea is that facial recognition software will be able to determine specific medical traits.
Featured Post
COLUMBUS LIFE INSURANCE COMPANY REVIEW 2020
Founded in 1906 Columbus Life Insurance has grown to be part of a multi- Billion dollar enterprise. Columbus Life Insurance itself, accounts for approximately $261,000,000 a year in US premiums or well less than 1.0 % of the overall U.S. market.
MINNESOTA LIFE INSURANCE COMPANY REVIEW 2020
Minnesota Life offers traditional term life insurance. The policies offered are 10,20, and 30 year terms like many of the best life insurance companies.
Minnesota Life term policies have conversion privileges to Minnesota Life Insurance permanent products. Note that conversion privileges are policy specific.
LAFAYETTE LIFE INSURANCE COMPANY REVIEW 2020
Founded in 1905 Lafayette Life Insurance has grown to be part of a multi- Billion dollar enterprise. Lafayette Life Insurance itself, accounts for approximately $364,000,000 a year in US premiums or less than 1 % of the overall market.
While the carrier offers term life insurance (the focus of this site), Lafayette’s primary focus in the life insurance market has been whole life insurance.
OHIO NATIONAL LIFE INSURANCE COMPANY REVIEW 2020
In addition to it’s term life insurance product, Ohio National Life Insurance also offers Universal life insurance and it’s flagship whole life insurance products.
Ohio National is known for flexible paid up addition (PUA) riders and strong dividend history. In fact Ohio National whole life product is often compared favorably to the best known whole life carriers in the marketplace.
MANHATTAN LIFE INSURANCE COMPANY REVIEW 2020
As well as it’s individual life insurance products, it also Medicare supplements and group insurance, such as , group accident, group disability, group retirement health care insurance.
Additionally, Manhattan Life does a robust business in the workplace voluntary market. These products range from critical care and cancer insurance to dental and vision coverage.
AMICA LIFE INSURANCE COMPANY REVIEW 2020
Founded in 1907 in Providence, RI , the Automobile Mutual insurance Company of America sold auto and fire insurance.
Since it’s humble beginnings, the group has expanded it’s reach in the financial services market. Amica is a Fortune 1000 staple and currently has over 6 billion in assets..
THE HARTFORD LIFE INSURANCE COMPANY REVIEW 2020
After going public with an initial public offering in 1997, The Hartford changed it’s mind and went private again in 2000
The current focus of the Hartford is property and casualty insurance (sold through AARP), the group offers group and voluntary life insurance through it’s employee benefits division.
Featured Post
BUYING LIFE INSURANCE FOR DUMMIES
Buying Life Insurance for DummiesBy James Tobin, CFP® Critical Takeawayshow Much Coverage do i need? How Long do I need It? How Much will it Cost me? How Do I find the Best Life Insurance Company? Custom Quote Table of Contents Navigate Do I Need Life Insurance?How Much Life Insurance Do I Need?How Long Do I
The Cost of Life Insurance
The Cost Of Life InsuranceA Complete guideBy James Tobin, CFP®Critical TakeawaysAge, Term
The 5 Most Common Mistakes Buying Life Insurance and How to Avoid Them
The 5 Most Common Mistakes Buying Life Insurance[ how to avoid them] By
Understanding the Medical Information Bureau
understanding The Medical Information BureauBy James Tobin, CFP®Critical TakeawaysThe MIB is a
Life Insurance Underwriting
Life Insurance UnderwritingBy James P. Tobin, CFP® Critical TakeawaysThe Carrier You Choose Will
Different Kinds of Life Insurance
Different Kinds Of Life Insurance By James Tobin, CFP® Critical Takeaways Term
How To Choose A Term Life Insurance Quote
Choose a Term Life Insurance QuoteBy James Tobin® Article TakeawaysDecide on
Featured Post
Introducing The Life Insurance Underwriting Assistant Tool From LIHD
The Life Insurance Underwriting Assistant is a free consumer facing tool that provides advice (based on the experience of the Life Insurance Help Desk) on the best available life insurance company for 30 + health conditions.
Affordable Life Insurance with Migraine Headaches
Underwriting typically will look at your overall health markers (weight,blood pressure, cholesterol), and then look to see if you have undergone any will also want to know about any treatment including prescription, procedures and hospitalizations or work disability claims of any length.
Affordable Life Insurance With Ativan Use
Because life insurers manage their appetite for specific risks by being more lenient or more stringent with underwriting grades, you need to know which company will grade you a preferred risk and which ones will grade you as standard (or worse).
Guide to Affordable Life Insurance After Skin Cancer
In order to get the best rates possible you may need to take an exam. Well controlled cases of basal cell and squamous cell skin cancer may be eligible for no-exam underwriting. However, melanoma applications are seen as more serious will always require an exam for traditional term insurance.
Life Insurance Approval With Depression
Whether you’re dealing with seasonal affective disorder (S.A.D.) or more serious clinical depression, you know about the everyday challenges that you face. What you may not know is that obtaining life insurance with depression will also have it’s challenges.
Life Insurance after Weight Loss Surgery
While standard rates are possible, it’s not uncommon for applicants to receive substandard or “table rated” offers. The severity of the health rating, and corresponding price, can vary significantly.
Affordable Life Insurance With DUI/DWI On Driving Record
The difficult part of term life insurance with a DUI history is finding the best deal. This is because different carriers have differing appetites for certain kinds of risks. As a result navigating this process is not as easy as using a quote tool.
