Archive for the ‘Life Insurance’ Category

Unlocking the Value of Inforce Life Insurance Policies

Premium financing and cash value based lending are valuable tools for individuals who wish to maximize the productivity of their life insurance assets. By understanding these tools, you can provide tremendous value to your existing clients and open the door to new relationships. We’ve dug deep into the “First Files” to provide insight into the […]



Medical Marijuana: A Growing Issue for Workers’ Comp?

Will medical marijuana ever be part of an approved standard treatment plan for injured workers? Many Workers’ Compensation industry experts believe that medical marijuana is a non-issue. Their reaso…. Continue reading Medical Marijuana: A Growing Issue for Workers’ Comp?



Asthma – Cause and Effect

Asthma affects around 300 million people worldwide, making it one of the most common chronic lung diseases. Because asthma is largely a disease of polluted cities, the projected 60% growth in the ur…. Continue reading Asthma – Cause and Effect



Medigap & H.R. 2 – Evolution, Not Revolution

A few weeks ago I was paging through a number of insurance industry and agent trade publications when I came across a headline that went something like this: “Medigap Insurers to Take Big Hit …. Continue reading Medigap & H.R. 2 – Evolution, Not Revolution



Insurers on Wildfire Watch in 2015

Wildfires will continue to be a burning issue in many parts of the U.S. in 2015 as wildfire season fast approaches. Despite record drought conditions during much of the past two years, 2013 and 2014…. Continue reading Insurers on Wildfire Watch in 2015



“Where should I put my money?” – Consider an attractive but overlooked alternative

The question is common and insurance agents and financial advisers hear it often, “Where should I put my money to get the most benefit for me and my family?” Often, the answers are also common. From stocks and bonds to annuities and CDs, and each has positive and negative aspects and may or may not […]



PPACA Helps Drive Medicare Trends Down – Is This Good News for Medigap?

Medicare Supplement, also known as Medigap, is exempt from the regulations established by the Patient Protection and Affordable Care Act (PPACA). However, PPACA does include reforms to the Medicare …. Continue reading PPACA Helps Drive Medicare Trends Down – Is This Good News for Medigap?



Big Changes Are Coming to Auto Insurance – All Signs Point One Way (Part One)

PropertyCasualty360 attributes an increase in recent claims frequency to: – Stronger employment – Cheaper gas – Poor driving conditions during the severe winter weather of 2015 …. Continue reading Big Changes Are Coming to Auto Insurance – All Signs Point One Way (Part One)



Family History Underwriting Guidelines

FAMILY HISTORY UNDERWRITING GUIDELINES Carrier Risk Class Definition Age at which Family History is Ignored Accordia (Perm – Up to age 65) Premier No CAD or cancer HX prior to age 65 (Parents and Siblings) Over age 65 Accordia (Perm – Over age 65) Family History ignored Accordia (Perm – Up to age 65) Preferred […]



Cholesterol Underwriting Guidelines

CHOLESTEROL UNDERWRITING GUIDELINES Carrier Risk Class HDL Ratio Total Cholesterol Cholesterol Treatment Allowed? Accordia (Perm: Up to Age 70) Premier 5 260 Yes Accordia (Perm: Age 71+) 5.5 280 Accordia (Perm: Up to Age 70) Preferred 6 270 Accordia (Perm: Up to Age 70) 5 300 Accordia (Perm: Age 71+) 6.5 300 Accordia (Term: All […]



Blood Pressure Underwriting Guidelines

BLOOD PRESSURE UNDERWRITING GUIDELINES Carrier Risk Class Blood Pressure Reading B/P Treatment allowed? Accordia (Perm: Up to Age 70) Premier 140/85 Yes Accordia (Perm: Age 71+) 145/90 Accordia (Perm: Up to Age 70) Preferred 145/90 Yes Accordia (Perm: Age 71+) 155/90 Accordia (Term: Ages 18-60) Premier 135/85 No Accordia (Term: Ages 61 and up) 145/90 […]



Aviation Underwriting Guidelines

AVIATION UNDERWRITING GUIDELINES Carrier Risk Class Private Aviation Details Accordia (All products: Up to Age 70) Premier Yes If the applicants qualifies for premier or preferred rates we will allow those rates even if the aviation requires a flat extra. We use the Swiss Re Manual for aviation to determine if a flat extra is […]



Who Cares What the Customer Thinks? New Research Shares Consumers’ Perspectives on Exchanges

Recently I Googled “Research on Insurance Exchanges.” It may (or may not) be a surprise to you that I got almost 17 million search results. What came up was an abundance of information – repor…. Continue reading Who Cares What the Customer Thinks? New Research Shares Consumers’ Perspectives on Exchanges



Tobacco Usage Underwriting Guidelines

TOBACCO USAGE UNDERWRITING GUIDELINES Carrier Underwriting Class Tobacco Free Period Maximum Cigar/Alternate Tobacco Usage (Assumes negative nicotine on the exam unless stated otherwise.) Accordia (perm) Premier 3 Years 4 per month Preferred 1 Year 4 per month Accordia (Term) Premier 5 Years None allowed Preferred 3 Years None allowed Standard Plus 1 Year None allowed […]



NT Pro BNP Testing Underwriting Guidelines

NT PRO BNP TESTING UNDERWRITING GUIDELINES Carrier When NT Pro BNP is Tested Accordia Over age 70 AIG Over age 71 Ages 51- 70 above $10MM AXA Over age 50 John Hancock Age 65 and above Lincoln Required for ages 70+ for amounts $1MM & up.  It is also required on all cases > $10MM […]