12 March 2014 0 Comments

Your Policy is Issued with a Premium You Weren’t Expecting

We just discussed what to do if your application for life insurance is declined.  But, what do you do when the policy is issued at a higher premium than you were quoted due to medical findings in the underwriting process?  Here are two real cases where the applicant made the wrong decision: An attorney in [...]

7 March 2014 0 Comments

Declined for life insurance? Now what do you do?

You applied for life insurance, had a medical exam and your agent says you have been declined.  Now what do you do?  First, ask the agent why you have been declined.  Is it due to a medical condition or life style?  If it’s a medical condition that you were not aware of, then ask the [...]