Revenge of the Turkey! – The Preferred Best Rate Killer

Your turkey may get the last laugh this year.

Thanksgiving is known as the “Preferred Best Rate Killer”  for good reason.

The average person gains 5 pounds during the holiday season from all the holiday cheer!

With term life insurance companies, you need to meet their underwriting guidelines for build, blood pressure, blood lab results, cholesterol levels, etc..

If you are looking to get the preferred best life insurance rates or super preferred life insurance rates, you absolutely need to meet the companies underwriting cutoffs, or else…..

You will end up paying 20% more for your life insurance!

And you’ll be thinking about that turkey for the next 20 years of your term life policy!

If you have a paramed exam scheduled for Black Friday, do yourself a favor and reschedule it now…Here’s why:

The following Turkey Day Killers are gonna get you:

  • Turkey – probably the least sinister of the group, unless you like the skin…there goes your cholesterol.
  • Gravy – did you ever watch what grandma puts into the gravy?  Your cholesterol is going up just from thinking how good it will be.
  • Mash Potatoes – It’s not the potatoes, it’s the 10 pounds of butter that were mixed in them to make them taste soooo good!
  • Cranberry Molds – They look so good, wait to you see what happens to your blood sugar levels!
  • Dinner rolls – you know the kind…they’re so good you don’t need butter but you put it on anyway.
  • Stuffing – What is stuffing made from??? All I know is that the gravy, salt, bread, and everything else make it taste awesome.

Thirsty yet?

How about a couple glasses of wine to wash it down?  Just an fyi that alcohol raises your liver enzyme levels, and nothing kills a life insurance case quicker than elevated liver enzymes!

We are almost ready for dessert:

Where do we start??  Does it really matter by this time?

Do yourself a favor and reschedule your paramed exam until another date and you will improve your chances for getting the life insurance rates you desire.

Now go have some apple pie!

Posted in Life Insurance, Life Insurance Awareness Month, Life Insurance Search Engine, Life Insurance Underwriting, LifeInsuranceAdvisors.com, term life insurance | Tagged , , , , , | Leave a comment

The Cost of Having Kids

If you have kids or are planning to in the future, you are probably thinking about all the expenses of having babies, from the basic costs through college education.

It’s expensive, right?  I understand as we have 4 kids.

I saw an article on CNN today, and they were discussing the average cost to raise a child these days….According to this article, the average cost to raise a child to adulthood is $226,920!

That’s a lot of money and will be difficult to do if you or your significant other are no longer here.

When planning for children, life insurance always comes up during these times.  It’s a natural instinct to want to protect your family and provide for them in the event you are not here.

Term life insurance is a great option for this.  For starters, you can buy a term life insurance policy that will provide you with coverage long enough for your kids to grow up, move out and start their own life…..and guess what?

Term life insurance is inexpensive… Get a FREE Term Life Quote Today!

Posted in index universal life insurance, Life Insurance, Life Insurance Awareness Month, Life Insurance Search Engine, Life Insurance Underwriting, LifeInsuranceAdvisors.com, term life insurance | Tagged , , , | Leave a comment

Mental Health Drugs in America

Mental Health Life Insurance Underwriting

I read an article today on Time about the use of mental health drugs in America.

Time referenced an article  - “America’s State of Mind”, authored by Medco Health Solutions.

For now, I’ll ignore the fact that Medco is watching you like “big brother”, studying, analyzing, and most likely considering price increases for your future prescription health plan!

What caught my attention is that in the article, Medco’s studies indicate that more than 1 in 5 Americans use some form of medication such as anti-depressants, anti-anxiety, ADHD, or anti-psychotic medication.

From a life insurance underwriting standpoint, we have seen the increase first hand in the number of consumers taking medication for anxiety, depression, ADHD as well as other psychological disorders.

The good news is that we see a better understanding and acceptance of these medications by life insurance underwriters.

10 years ago if you took an anti-depressant medication, most life insurance companies would only offer you their “standard” life insurance rates.

Today, we routinely see life insurance companies offer their “preferred” rates and in many cases we see them offer their “preferred best” life insurance rates.

The key to obtaining life insurance at the best possible rates based on your history is to work with an expert who understands your health situation and knows which life insurance company will be best for you….That’s where we can help you.

If you would like a FREE, no pressure no obligation life insurance quote, please complete our Mental Health Life Insurance Quote Request

 

Posted in Anxiety, Bipolar Disorder, Depression, Family History, Impaired Risk Life Insurance, Life Insurance Awareness Month, Life Insurance Search Engine, Life Insurance Underwriting, LifeInsuranceAdvisors.com, top 10 health problems in america | Tagged , , , , , , , , | Leave a comment

Blood Pressure Life Insurance Underwriting

Blood Pressure Life Insurance Underwriting:

What do underwriters look for when underwriting people with high blood pressure?

Life insurance underwriters want to know about all health issues, your height and weight, any other medications you may take, as well as what you are doing to maintain or improve your health.

Specifically, the underwriter will want to know:

  • Why did you start taking blood pressure medication? Obviously because your blood pressure was elevated, but was there another issue involved?
  • What blood pressure medication do you take?
  • What is your blood pressure medication dosage?
  • Do you smoke?
  • What steps have you taken to improve your blood pressure?
  • What are your blood pressure readings?

From a life insurance standpoint, you will take a paramed exam as part of the life insurance process.  An important tip for you is to make sure you schedule your paramed exam on a day and time that will yield the best possible blood pressure results.

Keep in mind that well controlled blood pressure even on blood pressure medication may still allow you to get the best life insurance rate classes.

For more information, visit this blood pressure life insurance expert for additional details.

Posted in Blood Pressure, Coronary Artery Disease - CAD, Impaired Risk Life Insurance, Life Insurance, Life Insurance Search Engine, Life Insurance Underwriting, LifeInsuranceAdvisors.com, top 10 health problems in america | Tagged , , , , , , , | Leave a comment

Skin Cancer Life Insurance Underwriting

If you have had skin cancer and need life insurance, we can help you.

Whether you had basal cell skin cancer, squamous cell skin cancer or malignant melanoma, there are a number of life insurance companies available to you.

Basal Cell Skin Cancer – Basal cell skin cancer is of little concern to life insurance underwriters once it has been treated.  We have a number of companies that will consider you for their “preferred” rates and in some cases their “preferred best” life insurance rates.

Squamous Cell Skin Cancer – localized squamous cell skin cancer is non rated for life insurance once it has been removed.  We have a number of companies willing to make aggressive life insurance offers to you.

Malignant Melanoma – With malignant melanoma, life insurance underwriting is based on the TNM staging of the malignant melanoma.  Life insurance underwriters want to know the TNM staging, the Clark’s Level, any recurrence, and location of the melanoma.  Underwriting offers when available will typically include a postpone period from the time treatment is completed until life insurance is available.  In addition, life insurance rates may include an additional charge called a flat extra that is added to the “standard rate”.

Posted in Basal Cell Skin Cancer, Impaired Risk Life Insurance, Life Insurance, Life Insurance Search Engine, Life Insurance Underwriting, LifeInsuranceAdvisors.com, term life insurance, top 10 health problems in america | Tagged , , , , , , , | Leave a comment

Diabetes Awareness Month

November is diabetes awareness month.

According to the American Diabetes Association, 79 million Americans are at risk of developing type 2 diabetes!

From a life insurance underwriting standpoint, type 2 diabetes represents one of the fastest growing health impairments we see.

If you have type 2 diabetes and need life insurance, there are a number of life insurance companies available to you.

type 2 diabetes life insurance quote

Here is what life insurance underwriters want to know about your diabetes:

  • When were you diagnosed with type 2 diabetes?
  • How often do you visit your physician?
  • What was your most recent HbA1c level?
  • What was your most recent blood sugar reading?
  • What medications do you take?
  • Have you had medical problems as a result of your diabetes?
The key to type 2 diabetes underwriting is to show that your diabetes is controlled, especially your HbA1c level,  that you follow your doctor’s orders, you go for regular checkups, and you take positive steps to achieve the best diabetes control possible.
When you are able to do this, we have a number of life insurance companies available to you, some that may actually consider you for their “standard” to “preferred” rates. 
Posted in A1c, Diabetes, diabtes, hba1c, Impaired Risk Life Insurance, Life Insurance, Life Insurance Search Engine, Life Insurance Underwriting, LifeInsuranceAdvisors.com, top 10 health problems in america | Tagged , , , | Leave a comment

Cigar Smokers Get Non Smoker Rates!

Cigar Smokers Get the Best Rates!

If you are a cigar smoker and need life insurance, you have come to the right place.

Did you know that there are a number of life insurance companies available that will offer you their very best non smoker life insurance rates?

The key to getting non-smoker life insurance rates is to make sure you apply to the right life insurance company, based on your cigar smoking activity.

Get a FREE Cigar Smoker Life Insurance Quote

In order to get the “super preferred”, “preferred plus”, or “preferred best” life insurance rates, most companies will require that your urine sample be negative for cotinine, which is the byproduct of nicotine.  Now if you can abstain from cigars for a period of time long enough to be negative, some companies allow 1 cigar per month while others allow 1 cigar per week.

The other thing to keep in mind is that if you use other tobacco products, the non-smoker rates will not be available to you in most cases.

If you think that there is no chance your lab results will be negative, have no fear.  We have life insurance companies available for this scenario as well.  There are a number of life insurance companies that will offer their “non-smoker plus” or “standard” life insurance rates to you even if you are positive for nicotine.

Posted in cigar smokers, Impaired Risk Life Insurance, Life Insurance, Life Insurance Awareness Month, Life Insurance Search Engine, Life Insurance Underwriting, LifeInsuranceAdvisors.com, term life insurance | Tagged , , , , | Leave a comment

Great Deal for Type 2 Diabetes

If you have type 2 diabetes and need life insurance, we have a life insurance company making some incredible offers in underwriting.

Type 2 diabetes life insurance quotes

With most life insurance companies, if you have type 2 diabetes, the best underwriting offers are typically a “standard” offer and in some cases a “standard plus” offer.

We now have a company available that will offer their “super preferred” underwriting rates in certain cases.  If you have type 2 diabetes, and have great control and otherwise would qualify for super preferred rates, this company will consider you for their super preferred rates.

As with any great life insurance underwriting deals, you can be sure that this will not last, so take advantage today!

Posted in A1c, Diabetes, diabtes, hba1c, Impaired Risk Life Insurance, Life Insurance, Life Insurance Search Engine, Life Insurance Underwriting, LifeInsuranceAdvisors.com | Tagged , , , , | Leave a comment

Breast Cancer Survivors Underwriting Updates

Earlier this month we wrote about Breast Cancer Awareness Month.

Breast Cancer Life Insurance Quotes

We have been able to help a number of stage 1 breast cancer and stage 2 breast cancer survivors obtain life insurance.  There are now a number of life insurance companies that are willing to underwrite you.

The last quarter of the year is the best time to try for life insurance as life insurance companies become more aggressive with offers in order to meet their year end objectives.

Here is a link to our earlier post.  Thank you.

http://directquotesamerica.com/2011/10/04/october-is-breast-cancer-awareness-month/

Posted in Breast Cancer, Impaired Risk Life Insurance, Life Insurance, Life Insurance Awareness Month, Life Insurance Search Engine, Life Insurance Underwriting, LifeInsuranceAdvisors.com, top 10 health problems in america | Tagged , , , , | Leave a comment

Type 2 Diabetes

As we approach year end, life insurance companies are more aggressive with their underwriting offers.  We have a number of life insurance companies that may even consider you for their “Standard” or “Standard Plus” life insurance rates.

The key is your HbA1c readings.  The better your HbA1c, the better the life insurance underwriting offers will be.  The following type 2 diabetes life insurance underwriting info may be helpful to you.  Thank you.

Posted in A1c, Diabetes, hba1c, Impaired Risk Life Insurance, Life Insurance, Life Insurance Search Engine, Life Insurance Underwriting, LifeInsuranceAdvisors.com, Metabolic Syndrome, term life insurance, top 10 health problems in america | Tagged , , , , | Leave a comment