Clinical medicine verses life insurance medicine. How they often view the same medical history differently

Posted on July 19, 2021

So, who is correct; the insurance company or the client's doctor? The answer is, they both are.

The client's doctor is charged with diagnosis, treatment and reassurance of the patient. They are taking a long-term approach to managing the client's health. We often hear that a client's doctor told them they are fine, but what the doctor meant was they are fine for someone who has heart...

Will Using Marijuana Impact Your Changes at Securing Life Insurance?

Posted on July 1, 2019

The answer is yes and depends on several factors.  The factors do vary between life insurance companies and I would say that is a main reason to have access to an independent life insurance producer.  That access can secure you the best life insurance product at the best price.

Generally, the key factors are:

  1. Your age.
  2. If your use is...
Hepatitis C

Posted on September 2, 2017

So you saw the TV ad that Hepatitis C is now curable. The ad goes on to say how if you are a baby boomer you should get tested for Hepatitis C as you may have it and not be aware of it.

You may ask, "How is that possible?"  Well, until the mid to late 1980’s our blood supply was not screened for Hepatitis A, B or C let alone HIV.  It was Ryan White contracting HIV from a blood...

American Business and Underwriting Advocacy

Posted on April 24, 2017

With increasingly complex insurance cases, our extensive knowledge of financial and medical underwriting is critical in ensuring your client gets the best underwriting offer possible.  We specialize in jumbo and impaired risk cases, using our years of underwriting experience and carrier relationships to proactively position the insured in the most favorable light.  We have a proven record of...