“I’m Older And I Want Life Insurance” …I just can’t remember why.

Or so goes the home office joke. But when your client is declined for life or long term care insurance coverage it’s no laughing matter—especially when the case is larger or when the decision is a shocker because the reason was cognitive impairment. Why the recent excitement about seniors and life insurance? Right now, many … Continue reading

Impaired Risk Review…Cognitive Testing

Older age underwriting remains a very important part of business strategy for life insurers. Medical advances that increased longevity and life expectancy have helped more senior applicants obtain life insurance at affordable rates, but experience has worsened in the last few years as premium financing and third party assignment have become a significant percentage of … Continue reading