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$20, $30, $40, $50 to $100 million life insurance

 How To Get A Large Life Insurance Policy Approved $20 Million To $100 Million Attaining an approval from the insurance company on a large face amount life insurance policy should not be something left to chance.  Unfortunately, it usually is when clients work with an inexperienced agent not familiar with the nuances of large risk underwriting.  Each large life insurance policy has its own set distinct characteristics and should be handled with care.  Most agents who are not experienced with large policies tend to be overzealous and rush through the process in hoping not to lose the “big” sale.  Typically […]

Life Insurance with Blood Clot DVT Phlebitis

Phlebitis is an inflammation of a vein, usually in the legs. When phlebitis is associated with the formation of blood clots (thrombosis), usually in the deep veins of the legs, the condition is called thrombophlebitis. These clots can travel to the lungs, causing pulmonary embolisms that can be fatal. Wikipedia Common Medications: Advil, Medipren, Motrin, Nuprin, Cataflam, Coumadin, Lovenox, Voltaren-XR. Underwriting Questions: •When were you diagnosed with this condition? •Are you on any medications for this condition? •Have you ever been hospitalized for this condition? •When was the date of your last physician fir this condition? •Have you ever been […]

Life insurance after non-Hodgkin’s Lymphoma or Hodgkin’s lymphoma

Get the best life insurance rate with a history of Hodgkin’s lymphoma or non-Hodgkin’s Lymphoma Hodgkin’s lymphoma, formerly known as Hodgkin’s disease, is a cancer of the lymphatic system.  Hodgkin’s lymphoma is one of two common types of cancers of the lymphatic system, with non-Hodgkin’s lymphoma being more common.  Underwriting factors •When were you diagnosed with the condition? •Date of last treatment? •What stage? •Type of treatment? Rating classes •Preferred Plus •Preferred •Standard Plus •Standard •Rated A-C 1 •Rated D-H 2 •Rated I & Above 3 •Decline Rates with Hodgkin’s lymphoma and non-Hodgkin’s Lymphoma Standard (average) rating class possible, after […]

Get best life insurance rates after a heart attack 2016

 How To Get The Best Life Insurance Rates After A Heart Attack In 2016   Many people think once they have a heart attack they are unable to ever get normal life insurance again.  This is not the case most of the time.   Due to advancements in medicine and life expectancy, if one has had a heart attack they can usually qualify for term life insurance and even permanent coverage. The trick is to find the right company.  By working with an independent broker, they can anonymously shop your case around to get you a pre-approval at the best rate.  […]

Barrett’s Esophagus Life Insurance Rates

How to get the lowest life insurance rates with Barrett’s esophagus Barrett’s esophagus us a condition involving changes of the mucosal cells lining the lower esophagus due to injury often caused by chronic reflux of the stomach acid.   Lean how to ace the medical exam. Click here   Medications   Axid (generic-nizatide) Metozok ODT (generic-metoclopramide) Nexium (generic-esomperazole) Pepcid, Pepcid AC (generic-famotidine) Prevacid (generic-iansoprazole) Prilosec (generic-omeprazole) Protonix (generic-pantoprazole) Reglan, Reglan ODT (generic-metoclopramide) Tagamet )generic-cimetidine) Nexium (generic-ezomeprazole) Zantac (generic-ranitidine) Zegerid (generic-ranitidine) Underwriting factors   •On any medications for Barrett’s esophagus? •Testing done with biopsies? •Compliance with treatment and follow-ups with physician? […]

Get The Best Life Insurance Rates with Asthma

Get The Best Life Insurance Rates With Asthma By Choosing The Right Company   Asthma-is an obstructive lung disease characterized by reversible airway obstruction and airway hyper-responsiveness. Underwriting Factors   •Frequency of symptoms •Duration and intensity of exacerbations •Medications taken for treatment, including response to treatment •Smoking status •Any similar serious impairment •Number of asthma attacks in past year •Ever require a rescue inhaler Common medications   •Advair •Albuterol •Azmacort •Beconase •Hydrocortine •Ibuterol •Nacacort •Singulair •Symbicort •Theophylline •Xolair   Rating classes   •Preferred Plus •Preferred •Standard Plus •Standard •Rated A-C 1 •Rated D-H 2 •Rated I & Above 3 •Decline […]

Life Insurance After An Aneurysm Underwriting & Rates

What to expect when applying for life insurance after an aneurysm   Aneurysm-An abnormal dilation of the aorta of other artery associated with an increased risk of rupture or dissection.   Underwriting factors   •Precise diagnosis •Location and size of aneurysm •Treatment •Presence or absence of symptoms •Any CAD, HTN, CVD, COPD or renal disease •Smoker or not •Regular check-ups   Risk Categories   •Preferred Plus •Preferred •Standard Plus •Standard •Rated A-C 1 •Rated D-H 2 •Rated I & Above 3 •Decline Possible range of underwriting results   •If the aneurysm was small, not requiring surgery rating class: Possible Mild […]

Post image for Diabetics in 2016 Can Now Obtain the Same Life Insurance Rates as the Average Citizen

Recent changes to the underwriting guidelines, for a select number of life insurance companies in 2016, has allowed those with well controlled type II diabetes to be approved at the same rates given to the standard applicant.  This is a monumental shift in life insurance underwriting for those who qualify.  What has changed in 2016? In years past, obtaining life insurance with diabetes has often been a nightmare.  Not only would the underwriting process take forever, but the rates were exorbitant.  On top of that, many companies have very strict underwriting guidelines which would cause certain applicants to be declined.  […]

Post image for How To Get The Best Rate With Osteoarthritis or Rheumatoid Arthritis

Arthritis and life insurance underwriting can be complicated depending on which type you have.  Since there are over 100 different forms of arthritis, we will address the two most common forms, osteoarthritis and rheumatoid arthritis. Osteoarthritis & life Insurance—what you need to know Osteoarthritis is the most common form of arthritis.  It is a lingering disease that causes the cartilage between the bone joint to wear away leading to discomfort and stiffness.  Common treatments include over the counter medications like Advil, Aleve, Aspirin, Bayer as well as prescription medications. Factors that determine the rating class with osteoarthritis: -What type of […]

Post image for Life Insurance Eligibility & Rates with Right Bundle Branch Block (RBBB)

Life Insurance Eligibility & Rates with Right Bundle Branch Block (RBBB) Right bundle branch block (RBBB) is a cardiac irregularity seen on the electrocardiogram (ECG or EKG).  RBBB usually occurs in health conditions that affect the right side of the heart or lungs.  RBBB is more common than left bundle branch block (LBBB).  RBBB usually doesn’t require any treatment and don’t have any significant medical consequences. This is good news for those who were diagnosed with RBBB and are applying for life insurance.  The underwriter is going to look at the EKG or ECG, to see the severity of the […]

Can I Buy Life Insurance If I’m On Coumadin? Yes.  You still may be eligible for life insurance if you are currently taking Coumadin.  Coumadin (Warfarin) is used to stop blood clots from developing in your blood and blood vessels.  The underwriter is going to want to know the extent of your health condition in order to see if you are eligible and at which rate class.  The length of time that you are on the Coumadin will also affect your rate and eligibility for life insurance.  Health factors such as Pulmonary Embolism will also play a role in your […]

Post image for Life Insurance Rates & Eligibility with Tachycardia

Life Insurance Rates & Eligibility with Tachycardia Tachycardia is typically defined as a heart rate that is greater than the normal range, over 100 beats per minute.  The good news for those with Tachycardia, is that this condition may not negatively affect your premiums.  If your elevated heart rate is less than 110 then you still may be eligible for the best rating class. Other factors the underwriters may look at to determine your rate class with Tachycardia are: *Are you taking any medications for the Tachycardia? *Ever been hospitalized for Tachycardia? *When was your diagnosed with Tachycardia? *Any other health […]

Post image for Can I get life insurance if I had coronary artery disease, a heart attack, angioplasty and multiple stents?

Yes!  You may be still be eligible for life insurance even if you have had coronary artery disease, (CAD) heart attack, angioplasty, and stents in the past.  Most likely you’re going to be table rated, even though you may be in better health now then you were when you had the heart attack.  The rate that the life insurance company is going offer with these health concerns will depend on many factors including, but not limited to, the number of vessels affected by the coronary artery disease and the actual vessel affected.  For example, a recent client had these health […]

Life Insurance on Plavix

Life Insurance while Taking Plavix Obtaining life insurance while on Plavix may be difficult but still possible.  Plavix (Clopidogrel) is an oral medication often used to reduce the chances of having a heart attack or stroke by assisting blood flow more easily. Get a Free Quote   Plavix is typically used by people who may have had a heart attack, stroke or some type of heart disease. In most cases, if you have had or at risk for having one of those health concerns your agent will probably want to gather some information upfront and send a quick quote or […]

Post image for Am I Eligible for Life Insurance After a Cerebral or Brain Aneurysm?

Am I Eligible for Life Insurance After a Cerebral or Brain Aneurysm? Yes!  You may be eligible for life insurance after a brain aneurysm if there are no complications or residuals.  I’ve had clients that are healthy but had a brain aneurysm in the past and were approved at a standard rate. A brain or cerebral aneurysm is an abnormal bulge in the wall of an artery in the brain.  The artery balloons out and fills with blood.  The two most common types of treatment include surgical clipping and endovascular coiling. Underwriting factors will likely include: Diagnosis Size of the […]

Post image for What is the Best Way to Shop for Life Insurance with a Major Health Problem or Condition?

If you have or had a major health condition or problem, you may not know where to start in looking to obtain an adequate life insurance policy.  Many of the do-it-yourself quote engines you see on the internet (even the one on this site) will only allow you to select a particular rate class but will typically not offer quotes for major health conditions or problems.  There are just too many health impairments out there, and every situation is different.  What you want to do to ensure you are getting the best rate you qualify for is to talk to […]