Insights
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Tobacco Underwriting Exceptions
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 […]
Avocation Exclusion Riders
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 and Wealth Transfer Planning Resources
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 […]
Exam and Lab-Free Life Insurance
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 […]
De-Risking the Life Insurance Underwriting Experience
De-Risk Life Insurance Underwriting
Simple Federal Estate Tax Estimator
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’ […]
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, […]
Life Insurance Underwriting Strategies for Elevated PSA
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 […]
Intelligent Life Insurance Underwriting Strategies for Jumbo Cases
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40-Year Level Term Life Insurance
Financial Advisors recommend clients protect their lifetime income with life & disability insurance. Great news: 40-year level term life insurance now enables young individuals to insure their entire anticipated lifetime income with an ultra-low cost term policy. Let’s take a look at a recent request. Meet Karen Karen, a healthy 25-year young woman, would like […]
Non-Tobacco Premiums for E-Cigarette Users & Vapers
Only ONE highly rated brand name insurer offers a lab test that makes it easy for e-cigarette users (vapers) to qualify for non-tobacco rates, cutting premiums in about half. Let’s look at a recent request: Kayla, F, 26, attorney, vapes daily, needs $3M 20-year level term for income replacement purposes Tobacco premium = $3,024.70 Non-tobacco […]
$5M Life Insurance Without Exam or Labs
Life Insurance WITHOUT Exams, Labs, Hassles A highly rated mutual insurer now offers younger healthy individual and business applicants to apply for up to $5M life insurance without exam or labs! Information is collected via an easy, secure, online process, making the application process faster and easier than ever. Policies can be structured to include […]
