You know some things can slow down accelerated underwriting. But there are also health conditions that can slow down underwriting even if it isn't accelerated.

In this episode I'm sharing common health conditions that can get in the way, and how to know whether they can be overcome or will lead to rejection.

I'll also share a simple way to "test the waters" before underwriting if you're afraid you won't get approved.

Listen now!

Show highlights include:

• How an underwriter looks at a mental health issue: When it affects your rating, and what to expect. (3:37)
• Why sleep apnea is more alarming to underwriters than it used to be. (7:00)
• What you should do immediately if you have sleep apnea but want life insurance. (8:49)
• Why cancer in your medical history doesn't automatically mean a decline for coverage. (9:51)
• Surprising reason a substandard health rating isn't as costly as you think. (11:38)
  

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

Accelerated Underwriting sounds faster than conventional underwriting, and it certainly can be. But you might be wondering: just how fast is it?

In this episode I'll share, from real experience, how quickly approval can happen. I'll also share why it doesn't always work that quickly, and the biggest factors that influence how long it takes.

Listen now!

Show highlights include:

• "No-brainer" reason accelerated underwriting is the right move if you're in good health. (2:40)
• Why honesty is the only policy if you want your life insurance application to be approved. (3:25)
• Exactly how fast accelerated underwriting can go if everything goes smoothly. (4:54)
• Simple way your doctor's office might triple or even quadruple how long underwriting takes. (5:11)
• Why the insurance company will do a soft credit check and what it means for your credit score. (7:14)

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)

You know about the underwriting process for life insurance, but you might be wondering exactly how it works and how long it should take.

In this episode I'll explain what happens as soon as you sign the application, what an underwriter is looking for, and why honesty is absolutely your best policy throughout the process.

I'll also share why underwriting can take longer than expected, but it's nothing to be afraid of.

Listen now!

Show highlights include:

• How bloated medical facilities can set back underwriting for weeks. (1:54)
• Accelerated vs. Full Underwriting: How they actually differ, and why either method will be thorough. (3:15)
• What to do if you can't remember essential details of your medical history. (5:19)
• Surprising volume of information your underwriter can see about you. (6:14)
• Why the insurance company cares about your speeding tickets. (7:07)
• Little-known company, started in 1902, and how it exerts a big impact on your insurance premium. (7:37)
• Do you have to be in perfect health to get life insurance? The answer might surprise you. (9:26)
• Why honesty is the ONLY policy if you want to be approved for life insurance. (10:34)
  

Reach out to me:

valerie@alphaomegawealth.com

https://www.linkedin.com/in/valerie-laroque-lacp-b569509

Infinite Banking Mastery (infinitebankingnorthwest.com)