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underwriting marijuana — In the last 5 years, the legalization of marijuana has spread across the United States in certain states. As a result, there has been a shift in public perception of the substance and it has become more commonly used and more commonly accepted. The use of marijuana has become so […]

Underwriting Marijuana Usage

October 10, 2020 in life tagged life insurance / life insurance applications / Underwriting by Jenny McCann

an agent helping with underwriting life insurance during COVID-19 — What has changed about underwriting life insurance during COVID-19? Almost everything about our lives has been affected by the COVID-19 pandemic, our businesses, our schools, and our favorite restaurants. Another thing that has changed is the underwriting process for life insurance, which varies by carrier. Transamerica One of the carriers […]

Underwriting Life Insurance During Covid-19

August 14, 2020 in life tagged health / health risk / life insurance terms / public health / Underwriting by Jenny McCann

With the current pandemic in full swing, agents will want to change their formula for how they do business. One of the main places they will have to consider is underwriting remotely for life insurance. One way that many have turned to during this time is remote underwriting for Life […]

Underwriting Remotely for Life Insurance: New Ways To Help Your ...

June 30, 2020 in life tagged buying life insurance / health screening / insurance industry / life insurance applications / Underwriting by Jadon Sennet

What is a conversion feature and why should I ensure my insurability? It is important to ensure that you are insurable for your future. You can lock in your insurability when you are young and healthy with an affordable term policy. You will need a policy with a conversion feature. […]

What is a conversion feature and why should I ensure ...

March 24, 2020 in life tagged indexed universal life / permanent life insurance / term life insurance / Underwriting / universal life insurance by Jenny McCann

Can you Add More Insurance to a Whole Life Policy without going through underwriting? There are a few reasons you may be interested in doing something like this. Let’s say you got the policy when you were 21. It’s a Whole Life Insurance Policy, and you recently started a family. […]

Can you Add More Insurance to a Whole Life Policy?

March 3, 2020 in life tagged cash value / life insurance / life insurance riders / Underwriting / whole life insurance by Jenny McCann

genetic testing — How Genetic Testing Affects Your Chances of Getting Life Insurance Do you know that taking a genetic test in your 20s or 30s could hurt your chances of getting life insurance? At the very least, it can raise the price you pay. And what if you already have a plan. […]

Can Genetic Testing Prevent You From Getting Life Insurance?

August 17, 2018 in life tagged benefits / buying life insurance / premiums / Underwriting by Jenny McCann

Insurability — Insurability in Life Insurance Completing a life insurance application requires many answers to many questions. First, we determine and assess the need for life insurance. Then, we begin the application. The application starts off with basic demographics. These include name, address, phone number, etc. Then, comes the health, medical history, […]

Insurability in Life Insurance

January 24, 2018 in life tagged hearth health / insurability / life insurance applications / medical exam / Underwriting by Jenny McCann

Life insurance is usually a low priority for most families, dubbed too expensive or unnecessary. This situation tends to result from a lack of education on all the wonderful things life insurance can do. A life insurance policy promises to ensure the security of a family’s future. Because of its […]

Top Five Questions Asked About Life Insurance Answered

November 9, 2017 in life tagged advantages of life insurance / FAQ / permanent insurance / term life insurance / Underwriting by Jenny McCann

While applying for life insurance, health factors into the process significantly. As such, it’s possible that a recent history of major medical issues may prevent consumers from getting life insurance. However, most severe health conditions have a look-back period of 2-5 years. In other words, consumers can still qualify despite […]

Pre-existing Medical Conditions Can Prevent You from Getting Life Insurance

August 27, 2017 in life tagged medical exam / pre-existing conditions / Underwriting by Jenny McCann