Six Myths of Impaired Risk Underwriting

… and how to dispel them The impaired risk segment of the life insurance business is approaching 20% of the total cases written. While this a significant figure in itself, it’s even more compelling when taking into account the premium and commission dollars it represents for insurance companies and brokers. From this perspective, impaired risk … Continue reading

Atrial Fibrillation and Life Insurance

Atrial fibrillation/flutter (AF) is an arrhythmia with an irregular pulse. It may be paroxysmal (intermittent) or chronic (permanent). Causes of AF include both cardiac and non-cardiac conditions such as valve disease, hypertensive heart disease, conduction disorders (e.g., sick sinus syndrome), coronary heart disease, cardiomyopathy, hyperthyroidism, fever, alcohol ingestion and many others. The presence of atrial … Continue reading

Asthma and Life Insurance

Life insurance is impacted by many factors. Your age when you acquire  the policy will drive the rates up or down. Your occupation may affect  the rates, as well as your habits like smoking or recreational  activities. Medical conditions will also cause your premiums to rise and  may even prevent you from obtaining a new … Continue reading

A Broker’s Perspective: Diabetes

In this and subsequent articles, I look forward to providing an overview of what you can expect from a life brokerage underwriting perspective on the issues analyzed so well by Dr. Robert Goldstone. His reviews are quite valuable, and I hope to be able to add to them by giving you an impression of what … Continue reading

The Origins of an Industry [Life Insurance]

 Brian Anderson is Editor of Life Insurance Selling. Everybody knows the Roman Empire was a remarkably advanced society. They built aqueducts and roads; the Roman Legion was perhaps the most formidable military force in history; and the Romans made big advances in language and judicial law, just to name a few significant achievements. But while … Continue reading