Underwriting When Physician Records Are Not Accurate
Physician records (APS-Attending Physician Statements) are an important and material part of your client’s underwriting files. However, physician records have also been known to contribute to UNFAIR underwriting assessments. This ONE Idea will focus on underwriting when when physician records are not accurate or have been interpreted incorrectly. Not Always Accurate? Physician records are NOT […]
Life Insurance – Protection Against the Unknown
If there was ONLY ONE insurance company to choose from and you were the ONLY CUSTOMER buying their life insurance and interest rates were 0%, it would be VERY EASY to calculate the cost of life insurance. However, things are NEVER that simple! The primary purpose of life insurance is protection and, at its simplest, […]
Underwriting Pulmonary Functions
The COVID pandemic has brought pulmonary issues to the forefront as we watch newscasts of ICU beds filled with patients on ventilators. COVID causes an inflammatory lung reaction that some people survive, while many others – over 800,000 COVID related deaths in the US at this point – do not survive the complications of the […]
Executive Bonus Plans CONTINUED
Last month’s One Idea from AgencyONE’s Case Design department discussed a planning option for businesses that is currently experiencing a resurgence in popularity – the Executive Bonus Plan. Executive Bonus Plans are an effective way to help retain key employees by using overfunded life insurance. November’s ONE Idea prompted calls from advisors who wanted to […]
Underwriting Anxiety & Depression
Tis the season of STRESS!!! The hustle and bustle of the holiday season is upon us, and this time of year can cause increased anxiety and even depression. Both are common diagnoses and are not just considered seasonal. As with any condition, there are varying levels of severity. In this ONE Idea, we will discuss […]
Executive Bonus Plans for Key Executives
The retention of employees has been on the minds of many lately – including advisors and their business owner clients. Business owners are more concerned than ever in retaining and rewarding their key employees and executives in order to maintain their businesses and manage them efficiently. At AgencyONE, we’ve received numerous 4th quarter requests from […]
We hear you loud & clear. Underwriting can be frustrating! But additional or more coverage IS POSSIBLE with little or no underwriting!
https://www.agencyone.net/no-underwriting/
What's been going on in the life insurance industry since the beginning of the year? To find out, take a look at this week's ONE Idea which features a recap of all our ONE Ideas from the last 6 months! https://www.agencyone.net/6-months-of-ideas-one-ideas-for-the-purchase-of-life-insurance/
Premium Finance Insurance cases continue to be very popular with advisors, but not every case makes the cut. This week's #ONEIdea from the Desk of Edward Stark, CLU, ChFC discusses a Premium Finance Insurance Case (with options) that went well! Read here➡️https://www.agencyone.net/a-premium-finance-insurance-case-that-went-well/
