It is a common belief that a life insurance agent’s offer of an annual review of your policy is nothing more than a ploy to try to get you to buy more insurance. I know from experience with my own clients that many are so sales phobic that their honest belief is that any contact [...]

For those of us who own and operate small businesses, we pour all we have into feeding our family, paying our employees and hopefully leaving something of value behind to our heirs. For many that entrepreneurial drive is cut short by a premature death and without adequate life insurance, those that would have benefited from [...]

As I wrote that title it occurred to me that I might be showing my age. The advertising slogan for Prudential used to be (may still be?) “Own a piece of the rock”. Anyway, Prudential is a stand alone company when it comes to their treatment. In an article in Cigar Aficionado a few years back [...]

As discussed last week, in an effort to kind of lay out the process that a woman goes through when diagnosed with breast cancer, my Mom has been gracious enough to let me talk about her experience. I believe there is some very real relevance in that, if my Mom was a little younger, her [...]

To a guy this makes perfect sense. From my own experience I can tell you that most women, especially those married to guys that feel fine, don’t share that philosophy. Unlike us guys, they think doctors are serious about the importance of annual physicals and things like colonoscopies after age 50. Well gentlemen, life insurance underwriters [...]

Thank you again for all the prayers on my Mom’s behalf. She had a sentinel node biopsy of the lymph nodes yesterday and it showed that cancer had in fact migrated from her breast at least to the nearest lymph nodes. I will continue to follow her process in this forum, not because I have [...]

As we’ve discussed many times, good life insurance rates are available if you have bipolar disorder if you meet certain criteria, underwriting guidelines. For the purposes of underwriting, while the companies may call them guidelines, assume they are rules. You are simply not going to slide by sort of meeting most of the criteria. If I [...]

I seldom have a week go by where no clients get surprised by what is in their medical records. I’ve said it before and you know me, I’ll keep repeating it. Medical records are a collection of facts (lab and test results) and rambling thoughts transcribed from the terrible handwriting of an overworked doctor who [...]

And they all said………….DUH! I’ve gone on “ad nauseum” about the impact that heart issues can have on life insurance and how to approach getting life insurance at the best possible rates after a cardiac occurrence, so this week I am making an effort to be proactive. So, my advice is just don’t have that [...]

A lot has been made over the years about diet and exercise being key components of a successful battle with hypertension or high blood pressure. But from the fringes we keep hearing snippets about drinking a glass of wine a day, eating dark chocolate and other things that seem oddly out of place. Diet and dark [...]