COVID continues to be a threat and clients are still reluctant to meet personally with advisors or parameds. Insurance carriers have adapted by making some of the following adjustments: Expansion of Accelerated Underwriting programs....
Read MoreLabPiQture Paramedical exams and specimens have been an integral part of the underwriting process since all of us entered the business. We have all told clients that insurance labs are key because they test for drugs, nicotine and many...
Read MoreCarriers frequently need medical records to fully evaluate the medical history of your client which is typically done through mail, fax or email retrieval from providers which often takes weeks to complete. Currently, many medical...
Read MoreIMPORTANT NOTIFICATIONS THAT WILL IMPACT YEAR END BUSINESS All Life insurance carriers are currently tasked to update their product portfolio to the new Principle-Based Reserving (PBR) and the new standard mortality table, the 2017...
Read MoreAs an insurance advisor, you have probably noticed that the need for your clients to complete stress tests or even ECGs to secure life insurance has decreased. Life insurance carriers have not become more liberal -- they have simply...
Read MoreIn general, foreign nationals have access to the same suite of products available to US citizens. Some carriers will limit access to certain products, for example -not all carriers will allow foreign nationals to buy term insurance...
Read MoreForeign nationals whether RA’s or NRA’s do have the ability to purchase a US life insurance policy from select US life insurance carriers. Carriers vary in the amount of coverage they will offer, product availability and...
Read MoreDomicile determines residency – Domicile is defined as the location at which a person lives, and intends to remain indefinitely. Domicile test is subjective and based on one’s intent. There are two categories of foreign...
Read MoreThe worldwide total of individuals with a net worth of over $30,000,000 has increased by over sixty percent in the last ten years. Increasingly, we live in a global economy where individuals are relatively free to travel and invest...
Read MoreHoliday Heart Syndrome and How Alcohol Can Interfere With Holiday Plans Today is Saint Patrick's Day, when many will over indulge on alcohol and some will find themselves in an emergency room with symptoms of heart fluttering,...
Read MoreToday is January 12. We are now twelve days into your client’s new year’s resolutions. One of the more common resolutions is to lose weight and lead a healthy lifestyle. How are your clients going? Are they still going to...
Read More6,500,000 kids receive special education*. As many as 10 percent of children under age 14 have some degree of special need including any physical, cognitive, or medical disability or illness. The parents of these children are certainly...
Read MoreOpioids, commonly referred to as narcotics, are a class of prescription pain relieving drugs that include Percocet, Morphine, Hydrocodone, Codeine and OxyContin. Heroin is the most common of the illicit opioids.Last year in the United...
Read MoreIf your client calls you and says she underwent a mastectomy don’t prejudge that the treatment is directly correlated to the severity of the cancer. That is not necessarily accurate. Lumpectomy coupled with radiation has the same...
Read MoreThe CRS provides for annual automatic exchange of financial account information between governments. CRS defines the financial account information to be exchanged, the financial institutions that need to report, the different types of...
Read MoreAs the process of business planning for next year begins, the question surfaces about where marketing opportunities will emerge. Is it possible the marketing opportunity is GLOBAL in its scope? Consider the following: 211,275 Ultra...
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