Stefan Bruckel
About Stefan Bruckel
Posts by Stefan Bruckel:
Marijuana Underwriting
Marijuana Underwriting Key Considerations Insurer selection is key to achieving favorable outcomes Key variable: frequency of use Favorable criteria: no other drug or excessive alcohol use; no DUIs, criminal background, no diagnosis of anxiety or depression; stable job, family life The more information we have about your client in advance of an application, the more […]
Underwriting Past Cocaine Use
Underwriting Past Cocaine Use Key Considerations Insurer selection is key to achieving favorable outcomes Favorable underwriting variables: No other drug use No excessive alcohol use / DUIs No criminal record Not diagnosed with anxiety or depression Stable employment, family life We get many inquiries from Advisors whose life insurance applicants tested positive for cocaine on […]
Underwriting Skin Cancer
Underwriting Skin Cancer Key Considerations Insurer selection is key to achieving favorable outcomes Type of skin cancer: basal cell carcinoma, squamous cell carcinoma, or malignant melanoma Key variables for melanoma: date of diagnosis, TNM score, Clark’s Level, Breslow Score, ulceration, # of mitosis per mm, # of melanomas, lymph node involvement, date since last treatment, […]
California Long Term Care
California Long Term Care Washington was the first state to require long-term care coverage for most residents, either via payroll tax supported public program, or private insurance acquired in advance. Several states are evaluating similar tax-payer funded options. States may consider a full or partial opt-out for residents who have acquired, and maintain, private LTC coverage. […]
Prepare for a Life Insurance Paramedical Exam
Preparing for a Life Insurance Paramedical Exam & Labs It’s often best to de-risk life insurance underwriting by taking advantage of exam and lab-free intelligent underwriting programs. Some applicants may even qualify for up to $135M of exam and lab-free life insurance through one or more executive underwriting programs. If an insurance paramedical exam, labs, […]
