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Updated: March 23, 2026 at 6:54 am
Let me guess, you are HIV positive, healthy, and having trouble finding life insurance.
Am I right?
Yes, John. I have been following my doctor’s plan and am otherwise healthy. Carriers decline me when I disclose I have HIV. Can you help?
Updated: June 20, 2024 at 10:02 am
In my opinion, there is no disputing how important disability insurance is. Just go to www.gofundme.com to see the pain many people and families experience when a breadwinner is hurt or sick and can’t earn the income they need to continue their lifestyle.
Of course, the solution to many of these situations would be a comprehensive, affordable disability insurance policy. Their lives could have been so much better.
However, if you need disability insurance, you first need to understand how disability insurance underwriting works. Understanding how underwriting works is key to obtaining a disability insurance policy.
Updated: April 12, 2024 at 9:38 am
The unfortunate truth is that people lie all the time, and many people lie on life insurance applications.
How do I know? I’ve witnessed it. I’ve been doing this for a long time. I’m a CFP Professional and licensed insurance agent.
If you are applying for life insurance, I encourage you to read this article. Many other articles on this topic are written by freelancers and writers who have never worked with a client, looked a client in the eye, or sold a policy.
Continue reading 3 Bad Consequences Of Lying On A Life Insurance Application
Updated: April 12, 2024 at 9:39 am
According to the Mayo Clinic, there are 3 million new cases of Alzheimer’s disease each year. This condition is tough on families and loved ones. If you or a family member have Alzheimer’s disease, you probably think that you can’t obtain burial insurance. That is simply not true. Sure, there might be life insurance carriers that decline you, but there others that won’t. You just need to know where to look and the right type. Whether you were just diagnosed with dementia or Alzheimer’s disease, or you are looking for someone else, burial insurance is available.
Continue reading Burial Insurance For People With Alzheimer’s Disease or Dementia
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.
Continue reading How To “Ace” The Insurance Underwriting Phone Interview