Every now and then we encounter a company executive getting ready for their initial public offering.

Things are going great, your company is growing, you may have received some initial funding and now your are ready for the next stage – going public.

It’s exciting…..But there are concerns and risks to the financial underwriters that only a well thought out business life insurance policy can address.

You are the engine behind your company, without you the level of interest in your company wouldn’t be the same.

So what happens if you died during the IPO process?  

Investors lose money, maybe the company doesn’t go public, or the valuation is lower, interest in the IPO wanes, etc.. any of these are realistic scenarios.

A business life insurance policy can address this issue and keep you moving forward to your IPO.

The primary issues that adversely affect an IPO in need of life insurance are:

• The company valuation.  The folks underwriting your IPO will be looking for you to have millions of life insurance in place…as a startup, IPO, etc..the valuation of the company may not justify the amount of business life insurance wanted….we’ll help you put it together whether working with multiple companies, a lead company, reinsurers, etc..whatever it takes to get it done, we will help you.
• The second issue that derails life insurance underwriting are health impairments that the key executives may have…what if you have been told that your executive is not insurable…..what do you do?  We know the experts in impaired risk life insurance underwriting, and help is not far away.

Most prostate cancers are slow growing and for men age 70 or older, sometimes the best course of action is to “watch & wait” the prostate cancer rather than perform prostate surgery or radiation treatment.

In the past, nothing would put a stop to life insurance underwriting faster than the common prostate cancer scenario of “watch and wait.”

Life insurance underwriting for prostate cancer survivors can be aggressive and the offers have been very good if the insured had prostate cancer, had prostate cancer treatment, and no longer has prostate cancer…..But what about men who were advised by their doctor to watch and wait?  How does life insurance underwriting handle watch and wait scenarios?

Most life insurance companies have made it easy to understand their underwriting….they simply decline you for life insurance….but no more.

There are now a few life insurance companies available that recognize watch and wait as a viable underwriting scenario.

If you are a male age 70 or older with prostate cancer, we may have a life insurance company available to you that will offer life insurance even with a watch and wait diagnosis.

Get a FREE Watch and Wait Life Insurance Quote Today.

As the owners of the number 1 diabetes life insurance websites in the U.S., we track diabetes underwriting religiously, always on the lookout for updates from life insurance companies that specialize in diabetes.

We received a press release today from a competitor about diabetes underwriting updates and how there are now a few companies available that will consider insureds for better than average rates.

Great News….The only problem is that its not new diabetes life insurance underwriting, its a competitor coming late to the game….again.

As our readers will tell you, we broke this story about great rates for diabetics in October 2011 – The article is here for your reading pleasure - http://directquotesamerica.com/2011/10/30/great-deal-for-type-2-diabetes/

As always, when you want the best and most current diabetes life insurance underwriting info, come to the experts – Diabetes Life Insurance

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!

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!

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

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.

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”.

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?

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.