Dec 5, 2019 | Binding the Policy, Education
How long do I have to pay premiums into my life insurance policy? How long do you want to pay premiums into your life insurance policy? For as long as you can. As long as money is coming into the front door, then it’s going into life insurance policy because...
Dec 5, 2019 | Underwriting
2 Years, You must be nicotine-free (cigarette, pipes, snuff, chewing tobacco, patch, gum, vaping, e-cigarettes, etc.) for 2 years to get a non-smoker rating. If you bound your policy with a tobacco rating, then we can easily place you back into underwriting during the...
Dec 5, 2019 | Education, Underwriting
Yes, If you bound your policy with a less desirable rating, then we can easily place you back into underwriting during the anniversary date of your policy. This is another great reason to schedule and attend your annual review meeting each year. If you have not yet...
Dec 5, 2019 | Education, Underwriting
Yes! You are not alone and it does not mean that your #1 Asset is any less valuable. Depending on your health history we may still be able to get you approved. We will simply submit a pre-underwriting inquiry with details of your health history. Once the underwriter...
