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Monthly Archives: June 2010
Single Premium Life Insurance
I sometimes have clients who are looking to pay all the premiums of a cash-value type policy (whole life, universal life, etc.) up front in a single lump-sum premium. While I don’t always agree with this strategy, in some cases, … Continue reading
Alcohol and Life Insurance Underwriting
Consumption of alcohol is common in American society. For the majority of drinkers of alcoholic beverages, there is little risk to health or longevity. It is only when alcohol consumption becomes excessive does it have any effect on life insurance … Continue reading
The Opinion about Life Insurance
There are as many opinions about life insurance as there are life insurance agents and brokers hat sell it. If you ask 100 insurance professionals their opinions about which type of policy is best for you, you will get that … Continue reading
Sleep Apnea and Life Insurance
I have been seeing more life insurance applicants lately who have been diagnosed with sleep apnea. What is sleep apnea it and how does it affect life insurance underwriting? Apnea is cessation of breathing. There are three types of apnea … Continue reading