Financial Advisors should consider two advantages they derive from obtaining a signed generic HIPAA with every life insurance application. First, a signed HIPAA is required by law, if you wish to discuss medical underwriting details with third parties. Given that a relatively high percentage of applications result in underwriting challenges, a HIPAA enables you to […]
Life insurers order paramedical exams, labs, and EKGs to uncover emerging, undiagnosed medical issues. Elevated glucose, liver functions, or cholesterol are among the more common surprise findings. Such results can lead to ratings, postponements, or declines. By de-risking the life insurance underwriting experience, you can now help your clients avoid these unnecessary complications. De-Risking the […]
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’ […]
It is often strategically advantageous (and much more convenient!) to apply for life insurance without having to submit to a paramedical exam, blood profile, and urine specimen. Some highly rated brand name carriers now offer $5,000,000 – $65,000,000 of life insurance to younger healthy applicants without a physical. Other insurers still order paramedical exams. Their […]
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 […]
Most smaller and medium sized companies are owned by an individual, a few partners, or a small group of executives. Some are owned by family members spanning two or three generations. These individuals often own all voting stock, and, with it, control the future direction of the company. What if something unexpected happens to one […]
LinkedIn Business Development Strategies LinkedIn makes it super easy to identify, connect with, and cultivate ideal future clients, whether they are dentists, lawyers, or construction company owners. There are likely thousands of ideal active LinkedIn members in the states in which you are licensed. But how do you find them? And once you find them, how […]
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 […]
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 […]
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 […]