Pru Comes Through On Build!
It’s been no secret since I followed the Biggest Loser reality series, that while the obesity and BMI challenged might pay a little more for their life insurance than folks that are under the BMI...
View ArticleFine, So Pick On Colorado!
Colorado is the leanest state in the country. Of all the states we have the lowest average BMI, attributable to the abundance of truly awesome outdoor activities available. But, from a life insurance...
View ArticleObesity From A Different Point Of View
An often discussed life insurance risk factor in this forum is obesity. There is not shortage of evidence that carrying too much load is hard on your body, taking blame for everything from diabetes to...
View ArticleSlim Chance Of Getting Affordable Life Insurance
Obesity has always been a life insurance underwriting challenge. Companies are keenly aware that while weight may not kill you, it dramatically increases your risk of everything from heart disease to...
View ArticleNow That You Know Your Post Holiday Weight!!
Now that the results are in and we’ve quietly sneaked on and quickly back off of the scales, let’s talk about what that number means in the world of life insurance. Whether it’s just extra pounds or...
View ArticleCompanies That Work Hard On Weight Issues!
There is probably no one more prevalent issue that affects life insurance underwriting more than weight. With 30+% of our country meeting the criteria for being obese, face it, every application we get...
View ArticleDoes Obesity Life Insurance Require Drastic Measures?
There are several ways to deal with an out of control weight problem from a health standpoint, but from a life insurance point of view it’s pretty clear cut. If you are morbidly obese the best case is...
View ArticlePrudential Changes Stance On Obesity Life Insurance!
Prudential has long been our go to company for those whose weight just wouldn’t garner an approval from any other companies. It wasn’t preferred plus life insurance rates for overweight people, but it...
View ArticleIs That Low Life Insurance Rate Really The Lowest?
Allow me to blow right by all of the internet clutter of $12 a month for $500,000 of life insurance. There is no question that those are low rates even though they are enticing unknowing young clients...
View ArticlePredictive Models and Underwriting: What’s the Potential?
Not long ago I went on a tear about American General’s use of the CRL Lab’s proprietary laboratory analyzing methodology called “Smart Score”. The blasting cap for that little tiff was a case that...
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