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
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.
In my opinion, there is no disputing how important disability insurance is. Just get on 
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.