What Happens When I Get Declined for Disability Insurance?

Jamie Articles

Disability insurance can be the most difficult type of insurance to acquire. This is directly related to the fact that there is a 1 in 3 chance that people will be come disabled and can’t work at some point in their career. Furthermore, disability insurance policies require you go through the underwriting process once and not at a later time. …

Share

Should I Use the Same Company for Life and Disability Insurance?

Jamie Articles Leave a Comment

When you purchase either an individual disability insurance or life insurance policy, you may reuse your paramedical results up to six months after the exam if you purchase the other type of insurance. Clients often ask me if they should use the same company if they buy the other coverage or if there is a discount. The answer is oftentimes …

Share

Disability Insurance Medical Exclusions

Jamie Articles Leave a Comment

Disability Insurance: Removing Exclusions I spoke to a client of mine (Dr. Griffin) who purchased a policy a few years ago. At the time, she was a graduating anesthesiology medical resident and was getting ready to go in for a back surgery. As expected, the company put a back exclusion on the policy. They said they would reconsider the exclusion …

Share

CRNA Disability Insurance at 50

Jamie Client Stories Leave a Comment

by Jamie K. Fleischner, CLU, ChFC, LUTCF President, Set for Life Insurance Today I had a CRNA contact me who was in a very typical situation. Her name is “Jan.” Jan just turned 50 and has a disability insurance policy through the CRNA, Certified Registered Nurse Association, AANA. She has $4000/month benefit and her premiums just increased substantially when she …

Share

Disability Insurance Underwriting Tips

Jamie Articles Leave a Comment

Tips to a Smooth Disability, Life and Long Term Care Insurance Underwriting Process Disability insurance underwriting can be an intimidating process. But it doesn’t need to be. Here are some tips to help you with your individual disability insurance underwriting process: 1)      Be upfront with your agent or broker about your medical history. This will help prevent any surprises along …

Share