by Michael Isom | Jan 16, 2020 | Review
If you haven’t met with us for a while, this is a great chance to catch up on the core financial values of your Vaults. Even if you are not planning to meet personally with michael, we invite you to complete the annual review document and place it with your policies...
by Michael Isom | Dec 9, 2019 | Education
The beneficiary of your life insurance policy. If you were to die today, where would you want that cash to go? Would you want it to go to your spouse, partner, significant other, straight to your kids or would you most likely want it to go into your living trust that...
by Michael Isom | 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...
by Michael Isom | 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...
by Michael Isom | 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...
by Michael Isom | 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...
by Michael Isom | Dec 5, 2019 | Binding the Policy, Education, Underwriting
No! When we submit your application we are only requesting to find out how much death benefit and at what rating the life insurance company will offer to you. Think of it similarly to getting your home or business appraised. (Only in a much more human way.) Once we...
by Michael Isom | Dec 5, 2019 | Underwriting
Do’s Get a good night’s sleep Ensures the best resting pulse Stay hydrated Drink a glass of water 1 hour before the exam Makes for an easier blood draw Document medications Prescription and over-the-counter medications including vitamins, herbs and supplements...
by Michael Isom | Dec 5, 2019 | Underwriting
If the insurance company requests a medical exam you will receive a phone call directly from the examination company to schedule an appointment. The fees for this exam are covered by the life insurance company and generally the examiner will come to your home or your...
by Michael Isom | Dec 5, 2019 | Underwriting
What is Underwriting? Underwriting is a life insurers term for the time the insurance company is appraising the risk involved in offering you insurance. They take into account your health, lifestyle, and medical history to ensure that the cost of the insurance is...
