Kevin Knauss: Health, History, Travel, Insurance
Posts pertaining to life insurance, term, whole life, burial, final expense plans.
Most of the applications have questions about your past and current health condition along with prescription medications. Just because you had a severe health challenge in the past, that is currently under control, does not mean you would be denied the casket and cremation life insurance.
Joe also had a routine colonoscopy, like we are all encouraged to do after our 50th birthday. The colonoscopy removed some benign polyps, pretty routing stuff. The life insurance underwriters wanted to know the doctor’s name, date of last colonoscopy, how many polyps were removed, and if he was advised to have a follow-up colonoscopy. All the type of information that was in the medical reports.
I also had $250,000 term life insurance policy during this period. Seven years into the 10-year term, I just could not rationalize making the policy premiums. I needed that money for other bills. For me, it was more important to pay for my son’s college tuition than the term life insurance policy. It was not an easy decision as I consider myself a very responsible person.
An investigation by CDI found that certain insurers are denying coverage, or offering Life, Disability Income or Long-Term Care Insurance coverage under different conditions, to Truvada/PrEP users.
So how is getting a quote from me different from other agents? First, I don’t sell my client’s information to anyone. When I give you a quote, no one else will call you, probably not even me. I figure if you have questions, you will contact me when you have a chance. Second, I don’t hound people because that is not the way I want to be treated. Finally, I’m not going to try and up-sell you on more expensive of ancillary products.
People who are HIV positive are living longer and leading healthy and fulfilling lives because of advances in drug therapies to control the disease. The life insurance industry has taken note and has started to offer life insurance products to those living with HIV. The life insurance rates for people with HIV are actually reasonable for some income levels.
California Insurance Commissioner Dave Jones announced that his office, along with other states, have reached an agreement with ING over the misuse of the Death Master File. This follows after similar agreements were reached with other carriers earlier this year. ING has agreed to pay $10.7 million to insurance regulators.
Rarely will I introduce Walker, as “my son” to somebody and I have never told him he must do something because he is “my son.” The absolute weakest excuse for compelling a child to modify his or her actions is because you own them in some weird parental sense.
Life insurance sales people are very good at calculating the astronomical amount of life insurance you should buy and all the good reasons for the purchase.
The actions of AIG amount to elder abuse. They depict the slimiest business practices possible with a product pitched to protect families: life insurance.
