If you're young and healthy you can be tempted to delay getting long-term disability insurance. But in addition to coverage in an unpredictable world, there are also benefits you can glean from a policy even if you never become disabled.

In this episode I'll share those benefits. And I'll tell you what to consider if you think a policy is too expensive or won't cover what you had hoped.

Listen now!

Show highlights include:

• Why employer-provided disability coverage might not be enough when you need it. (3:37)
• Ethical way to receive payment from your disability contract (with certain companies), even if you aren't disabled. (8:20)
• "Undisputed" #1 feature of disability insurance. (11:29)
• Simple reason anyone with an income should have disability coverage in force. (12:07)
• Can your emergency fund cover a long-term disability? Brutal truth revealed. (13:03)
• How to afford a disability contract that becomes unaffordable, so you can keep your coverage without going broke. (13:42)
• Are underwriters fair? How your application is processed, and what to do if you disagree with their assessment. (14:42)
  

Reach out to me:

valerie@alphaomegawealth.com

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

Infinite Banking Mastery (infinitebankingnorthwest.com)

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)