I've truly gotten a sense of what a love/hate relationship is all about with West Coast Life. They are, in so many areas, one of the best companies in the business for fair and flexible underwriting. I love that since

I watched Dennis the Menace the other night and early on in that film it was clear that Mr Wilson would have preferred to have $100,000 in his pocket and no Dennis as a neighbor. That's probably a bit harsh,

When A doctor says you're doing just fine or you don't need to worry about this or that, they really mean it. I suspect that in the short term scheme of things they may even be right most of the

I think it would be accurate to say that we help a lot more people with health issues than people who are just insanely healthy, but let me be very clear, we do a great job helping the insanely healthy

Term life insurance is a product that is sprinkled with gold nuggets that make it so much more than it appears on the surface. The great news is that the nuggets are part of the policy and are not added

In Job 12:11 it says "Does not the ear test words, as the palate tastes its food?" When a life insurance agent gives you a quote that you know sounds a little too good, do you question it or set

So, you applied for life insurance and have been postponed or declined because you didn't complete some, for instance a sleep study test your doctor recommended! Want a second opinion? Don't waste your time. You'll get the same answer at

The most common type of cancer among men and women is skin cancer. By far the majority of those cases are rarely life threatening types like basal cell carcinoma or squamous cell carcinoma.The least common of the three is the

This is a theme I have pounded on for some time. There are the obvious cases where, for instance, someone with bipolar disorder who goes to their Farmers insurance agent should not expect a good outcome. Wrong agent with the

Of course the reason snoring is a life insurance underwriting issue is because someone may put a pillow over your head and hold it there until the noise stops. Seriously though, if that snoring is driven by sleep apnea, depending

Airline pilots have been given a free pass by life insurance companies for a long time. The companies have assumed that if you are good enough to fly one of those big things for a real airline company, aviation won't

Prostate cancer has been on of those life insurance health issues that we've been able to help a lot with over the years. Like so many other issues it can be an instant decline with a lot of companies and

It's been at least a year since I last shared my dismay with both the readers of this blog and the ADA about the ADA choice to just ignore the subject of life insurance for those with diabetes on their

Once upon a time life insurance underwriting wasn't as cut and dried, and frankly brutal, as it is today. There was room for flexibility and negotiation and even compassion when working with underwriters. That was way back then....about 4 years

It's that time of year when fall starts giving way to winter and we get those giant wet snowstorms that turn many from sedentary leaf peepers into snowplows.It's also prime season for people to visit the ER with heart attacks

There is a common misconception, especially among those who have pretty extreme weight issues, that life insurance simply isn't available. With most, but not all, companies they would be right.Obesity carries with it a lot of mortality baggage that most

So, you have this life insurance policy and you don't know if it's a good deal or not, but it's in force. That's a good thing and actually far better than most folks have done. But what if there is

I got a call from a prospective client last week wanting to see if I could find anyone who would offer him life insurance.His issue is prostate cancer with a Gleason 9. He had a radical prostatectomy, chemotherapy and is

My Dad died just over a year ago after a two year battle with bladder cancer. I say battle, but he was really in good health (other than the cancer) and good spirits right up to the last few weeks.

I've talked recently about the United of Omaha "Fit test" crediting program where a person's health habits and lifestyle can help reduce the price of their life insurance. Well, they bowled a strike on a bipolar disorder term insurance case