Author: John

I am a CFP® Professional and have an MBA. I founded My Family Life Insurance to provide honest, trustworthy advice and economical insurance solutions to individuals, families, and business owners. Contact me if you have any questions. There is no risk! If I can't help you, you've learned a little more, and we'll part as friends. Seriously! Can your current agent say this? View my linked-in profile here: www.linkedin.com/in/johnbarnescfp

How To “Ace” The Insurance Underwriting Phone Interview

Updated: April 12, 2024 at 9:39 am

If you apply for life or disability insurance, usually the carrier sets up a paramedical exam. The exam consists of health questions, a height/weight check, a urine sample, among other requirements. In the past few years, many carriers are moving away from the traditional process of a paramedical exam to a simplified, non-medical insurance process. The simplified process excludes the paramedical exam. It usually does, however, require a phone interview with a member of the carrier’s underwriting team. In this article, we discuss the simplified process in more detail. We also discuss how you can “ace” the insurance underwriting phone interview.

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Best Disability Insurance For Chefs | We Discuss Plan Options, Underwriting, Costs, And The Best Options For Chefs

Updated: April 12, 2024 at 9:39 am

disability insurance for chefs

I think you’ll agree with me that chefs need disability insurance.

But, time gets in the way, and you don’t buy any.

Until it’s too late.

If you are a chef, your work is hands-on…literally!

You enjoy the challenge of supervising the food preparation as well as your staff. No day at the restaurant is the same!  You rely on your technical skills as well as your physical ability to get the job done.

However, have you ever thought about what could happen if you could no longer do your job?

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Burial Insurance For People With Sleep Apnea | We Discuss How To Apply, Plan Options, And Cost

Updated: April 12, 2024 at 9:39 am

Do you have sleep apnea and need burial insurance?

Yes, John. I applied with my agent, but her company declined me because I use a CPAP machine.

Unfortunately, that is a true outcome with many carriers.

However, we can get you burial insurance no problem and have helped many people with sleep apnea obtain burial insurance.

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Here’s Affordable Burial Insurance For People With Atrial Fibrillation | Easy Application And Instant Approval

Updated: April 12, 2024 at 9:39 am

If you have atrial fibrillation, you can obtain burial insurance.

That is right. Additionally, most people with atrial fibrillation, or Afib, purchase burial insurance rather easily with no policy limitations.

In other words, your burial insurance policy will not have a waiting period, graded benefits, or limited death benefits.

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Best Guaranteed Issue Disability Insurance For Small Business Owners

Updated: April 12, 2024 at 9:39 am

disability insurance for small business ownersAre you a small business owner and looking for disability insurance? Sure, you can buy some individually. However, did you know that guaranteed issue disability insurance exists for small business owners? Moreover, you as a small business owner can buy it yourself.

No, John. I did not!

Most small business owners don’t. Depending on your occupation, age, and health, an individual disability insurance plan can be expensive. However, let me stress that disability insurance is extremely important insurance. A small business owner and other professionals really can’t go without it.

But, small business owners have more options. Small business owners can purchase disability insurance at guaranteed issue. In other words, no underwriting.

Get out of here, John. How?

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