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But my Physician said I was Healthy
When you submitted an application for life insurance, you were certain that the life insurance company was going to approve you at their top health class, “Super-Preferred.” After all, at your last physical exam, your doctor told you that you … Continue reading
He’s in Perfect Health…Seriously?
When people call our office for life insurance quotes, we typically do a quick health assessment to guesstimate the health class of the prospective client. Even though a quote is subject to change upon the completion of underwriting, we attempt … 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
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
You Can’t Always Get What You Want…or Can You?
Life insurance underwriters go by the “book” for the most part. In the case of life insurance underwriting, the “book” is based on actuarial experience of many years. The underwriter lives and breathes by the “book” and establishes a health … Continue reading
Life Insurance Underwriting – Definition
When you decide to purchase life insurance you go through a process called “underwriting”. How do you define underwriting? The origins of this are interesting. Years ago, when an insurance syndicate such as Lloyds decided whether to insure a ship, … Continue reading