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When You Should Consider The Risk!

It’s really the same old questions. Who should have life insurance? When should you get life insurance? How much life insurance is enough? The problem is that there are far too many people out there...

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Life insurance Twilight Zone!

Imagine our surprise after posting our opinion about Obama’s no boots on the ground stance yesterday to watch the news last night and see a former US soldier now fighting with, working for the Kurdish...

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Is That Decline Because Of High Risk Or Impaired Risk Life Insurance?

Since we partnered with Hinerman Group, one of the leading impaired risk life insurance outlets in the country, bringing high risk and impaired risk together has been, well, interesting. What it comes...

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A Funny Thing Happened On The Way To The Doctor

A funny thing also happened while I was losing that extra weight…and getting my cholesterol under control…and changing my diet and exercise routine to get my A1c back down to normal so I could get a...

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How Do Life Insurance Companies Feel About Your DUI? Both Of Them?

It wasn’t that long ago that if you wrote DUI on a life insurance application it would automatically burst into flames. Why allow it to make it to an underwriter when it was an automatic decline,...

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Foreign National Business Life Insurance Hoops!

We never cease to be amazed by the way the pendulum of requirements swings for legitimate foreign national business owners who want to buy US life insurance. We get that the pendulum follows the US...

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Don’t Leave Home Without It!

And if you’re already did, shoot us an email and we can get it done via email. If you have any questions call or email us. We can help……… Well, showed the boss the rough draft and he said I was a...

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Declined For Business Life Insurance?

In business succession planning there are several ways that life insurance isn’t just a good idea, but is required. If your banker says they will loan you $3.5 million to expand your business, that’s...

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Be A Life Insurance Hero!

I know I normally complain that most life insurance agents really don’t know what they’re doing and or how best to serve their clients, and I’ll stick with that just because according to a LIMRA study...

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Business Life Insurance For The Mature Executive!

Business life insurance, whether for the CEO as key man insurance, partners in a business buy/sell agreement, bank loan collateral or stock repurchase plans are a specialty in their own rite, but add...

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When Your Agent Says That Can’t Be Done!

When I get a phone call or an email from someone saying that they’ve been told by their life insurance agent or even multiple life insurance agents that their situation just can’t be approved and...

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War Zone Risk Isn’t All About Soldiers!

While wars rage on, with Iraq, Afghanistan, Libya and Syria it’s an ever changing scene. While the US and its’ allies have done their best (or not in the case of Syria) to bomb the enemy into...

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I Will Never Know Enough To Do This Job!

It occurred to me after I had finished getting information for quotes from a man who only had half a diaphragm that gave him less than perfect pulmonary function on that side, coming right on the heels...

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Your Life Insurance Agent Lied To You!

Don’t you just hate it when someone, anyone, lies to you for any reason? As the DOW plunges again today I’m sure one of the two biggest financial lies is running through a lot of minds, “It always...

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Breathing New Life Into Missionary Life Insurance!

We get that life insurance companies aren’t really against Christians and we understand that’s not why they are so wary about underwriting missionaries. The underwriting truth with traditional life...

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Over Age 60 Life Insurance Buyer Beware!

Life insurance myth or fact? Are those of us over age 60 really stuck with old people life insurance products like what is represented as appropriate for our age by AARP/New York Life? Is it that we...

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Fool me once!!!

For those wanting to purchase accidental death policies through Hinerman Group life insurance and Risk Life, well, it just got a little tougher thanks to a client who lied to me about her and her...

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More Opportunities for Missionary Life Insurance!

While we’ve been able to offer life insurance for missionaries world wide for some time, with just one company we’ve been restricted to their products and pricing. While the pricing and products are...

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United Healthcare Bails On Obama!

United Healthcare announced yesterday that, from an insurance company perspective, Obamacare isn’t going to be in their long term planning. Of course at this point, depending on next year’s election,...

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Acts Of War Or Terrorism Life Insurance!

I don’t like to play on people’s fears when helping with life insurance, but let’s be practical. If you are a missionary, business person or civilian contractor with ties to the US and you’re working...

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