The Risk Appraisal Forum

The Risk Appraisal Forum was founded as a study group in 1976 by a group of Independent Life Brokerage Agency principals who all specialized in the art and science of impaired risk underwriting. Our first quest was to build bridges of communication and trust between ourselves and Home Office Underwriters, Medical Directors and Reinsurers, which … Continue reading

Guaranteed Level Term with Rapid eUnderwriting

MetLife’s fast life insurance process is brand new. However, they bring a big time life insurance name to the table with their new product. With MetLife’s product, you can actually get more coverage, with up to $500,000 available for purchase. Here are the other details. MetLife Life Insurance, also known as MetLife Investors is a … Continue reading

Make your Move

Move now! Our new product priced for conversions is called Life Step UL™. After it is launched, Life Step UL™ will be our only conversion product for Banner and William Penn term policies that have been in force five years or more. Paperwork for conversions of term policies more than five years old to Life … Continue reading

Life Insurance going under?

A recent study by LIMRA showed the number of individuals owning life insurance has hit a 50-year low. As Robert Kerzner, president and CEO of LIMRA, said, “The numbers tell a grim story.” LIMRA, Windsor, Conn., found just 44% percent of U.S. households have individual life insurance. The number of U.S. households with no life insurance … Continue reading