Insight introduce advisors to timely, interesting, and relevant topics. The posts linked to insights are designed to generate additional opportunities for our advisors to work with us.
Tobacco Underwriting Exceptions Key Considerations Goal: qualify tobacco users for non-tobacco life insurance rates, finding the right exception, cutting their premium in half Insurer selection is key to achieving favorable outcomes Key variables: how the tobacco is consumed, the type of product used, frequency of use, the date of most recent use, and whether the […]
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, […]
Exam / Lab-FREE Life Insurance Life insurance buyers love the convenience of exam and lab-free applications. They also avoid surprise ratings and declines from: Abnormal liver functions Elevated glucose Blood or protein via urinalysis T-wave abnormalities on an EKG How many of your applications have derailed because of these findings? De-risk your clients’ life insurance […]
Avocation Exclusion Riders Insurers often charge extra premiums for individuals who engage in private aviation or risky hobbies they call “avocations.” Some applicants believe this is silly. Nothing is going to happen to them! They may not be willing to pay the extra premium required. Instead, they want to self-insure for the possibility something happens […]
Estate & Wealth Transfer Planning The estate and gift-tax exemption is about to get cut in half, exposing exponentially more wealthy Americans to the death tax. They can minimize or eliminate the tax, if they act before the deadline. Help clients avoid a voluntary tax of $400,000 per $1M of wealth! Talk to clients with […]
Reduce or Eliminate Estate Taxes The estate and gift-tax exemption is about to get cut in half, exposing exponentially more wealthy Americans to the death tax. Deploy our super simple Federal Estate Tax Estimator to quickly educate your clients about this increasing tax! Be the first Advisor who brings this urgent topic to your clients’ […]
intelligent Underwriting strategies negotiating exceptinal life insurance offers Several highly rated brand name life insurers offer exceptional underwriting solutions for the most challenging medical impairments. Unfortunately, there is no one best insurer for all risks. Therefore, the intelligent underwriting strategies require us to gather a few key facts up front, negotiating those with several insurers, […]
Life insurance applicants are sometimes assessed an extra premium due to elevated PSA findings in their insurance company labs; most life insurers screen for prostate cancer by measuring current PSA levels in male applicants age 50 and up. Such findings, which can be caused by several conditions other than prostate cancer, are common among men […]
Underwriting Strategies for Jumbo Life Cases Estate tax funding, business succession, and key person indemnification strategies are often financed with tax-efficient life insurance. Most of these cases benefit from, or require, coverage from several leading insurers. This article prepares Financial Advisors for their discussions with clients who want to purchase life insurance to cover their […]
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