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Obamacare Cliff Hanger


Today is the day. States must decide today if they will set up a state run Obamacare health insurance exchange. If they refuse, the federal government will establish and run the exchange for them.

Seems a no brainer to me.

States have limited resources. States must adhere to a balanced budget.

Contrast with the federal government with unlimited access to money.

The federal government has admitted that it can’t pay for this health care ‘marketplace’, which would cost between $10 to $100 million per year in each state. Hence the necessity for each state to set up its own exchange, shouldering some of the costs.

The problem with that notion is that nowhere in the 2,700 page behemoth known as the Affordable Care Act, is it written that the states will be required to do so; the assumption being that the states would simply go along with the federal governments wishes.

Freedomworks, “State run exchanges, last hope against Obamacare
Rather pompous, don’t you think?
We (federal government) don’t have the money to run the health insurance exchange so you (states) do it for us? 

Because of this (lack of state run exchanges), the government cannot legally enforce the employer mandate “tax” on employers in a state that has not set up an exchange.  Without the employer mandate, and without the exchanges to manage the insurance subsidies, ObamaCare falls apart.

That’s a mouthful.
It also brings up this point.
With regard to the health insurance exchange, states have the power to say “We didn’t build that”.
Original content copyright © InsureBlog

11 Things Life Insurance Companies Look At


Top 11 Term Life Insurance COmpany GuidelinesTop 10 Lists are so … Letterman. A bit trite we think. So we’ve one-upped the late night comedian with our newest infographic. Our Top 10 11 List of things life insurance companies use to evaluate your term life insurance application. Exciting — we know!

Term life insurance underwriting is a complex, dynamic process. Life insurance companies frequently change guidelines in an effort to stay competitive and ensure their risk management practices are in good order. And for that reason, we HIGHLY recommend you discuss your unique situation with an agent (ours are pretty good, in case you’re looking Wink). What works with one life insurance company today may not work the same tomorrow. The criteria Company A highly values may not mean as much to Company B. An agent’s role is to help you find the best life insurance company for you. Period. Demand nothing less.

After taking a look at our Top 11 List, you can get started with term life insurance quotes here.



Top 11 Term Life Insurance Guidelines



Related Topics:

How is My Term Life Insurance Rate Determined?

How to Find the Best Term Life Insurance For You

What Questions Should I Ask Before Buying Term Life Insurance?

Term Life Insurance For Diabetics


Term Life Insurance and DiabetesNovember is American Diabetes Month (ADM). The American Diabetes Association campaign is aimed at raising awareness of this disease by focusing attention on the many issues surrounding diabetes. Of course, diabetes continues to be a national epidemic. Nearly 26 million people in the U.S. have the disease. And a staggering 79 million Americans have some form of pre-diabetes and are at risk of developing the disease. The ADA estimates the total national cost of diabetes to be around $174 billion.

Because diabetes has become so widespread, it remains an area of focus for life insurance companies as they review applicants for term life insurance. The good news is you can qualify for a new policy if you have diabetes. In fact, it’s one of the most common ailments we see among applicants who have medical conditions.

For people with a confirmed diagnosis, the company will be concerned about length and types of treatment, as well as consistent checkups with a physician. If the diabetes is well-controlled with regular follow ups and a treatment plan, it’s possible to get a new policy at a Standard rating class or even better. If the disease is not well-controlled or the diagnosis is new, the likelihood of getting a policy at a Standard rating class decreases. However, we do see people get new policies every day at rating classes below Standard. The premiums are higher, but at least they are able to secure coverage.

We often see people apply who may not know they are at risk of or even have pre-diabetes. Usually this is something that comes out of the paramed exam, and comes as a surprise to many. In these situations, the life insurance company may postpone a decision until the applicant sees a physician or until a treatment plan is in place for a period of time.

In worst-case situations, we do see applicants declined for coverage. This is often the result of poorly-controlled diabetes, poor diet and exercise regimen, lack of follow up with a physician or other factors. People with Type I diabetes tend to have a more difficult time getting coverage, and many of the declines we see are for Type I.

Life insurance companies will also consider the presence of other medical conditions as well as a person’s other health factors, such as height/weight, cholesterol levels, blood pressure, etc. Some of the life insurance companies we see giving the best rating classes for Type II diabetes are Transamerica Life, Pruco Life (Prudential) and Protective Life. For example, here is a best-case scenario for a person applying with Prudential:

  • 67-yeay old female
  • Type II diabetes
  • Onset at age 64
  • Currently on oral medication
  • Excellent control; A1C reading of 6.9
  • Good overall health

This individual is a ‘model’ diabetic applicant and could qualify for a Non-Smoker Plus (Standard Plus) rating class!

Contact us if you have diabetes and would like to see what you may qualify for. We’ll shop with several life insurance companies to find the best rate for you!


Source: American Diabetes Association

Related Topics:

How to Get Term Life Insurance With Diabetes

Getting Term Life Insurance with a Medical Condition

How is My Term Life Insurance Rate Determined?

Debate on Gov role in Healthcare already gone?

Many people disagree with the current and further intrusion into our healthcare by Government. They say government is taking too active of a role in what should be a personal matter. On my way to the office this morning I had the realization this argument might already be long gone.

For a brief moment driving to the office I was stuck behind the town leaf vacuum. For those not living in parts of the country with lots of trees, there is a city truck that drives around vacuuming leaves from people’s yards. If we have outsourced such trivial matters as raking leaves to the government, managing our own health must no longer be possible.

In an ironic twist healthplans now pay us to exercise, i.e. to do something like raking the leaves. I think it is a short matter of time until we have cap and trade for calories. Don’t worry I’m sure for a small fee we will be able to buy burned calorie credits from someone more willing to rake the leaves.

Original content copyright © InsureBlog

Obamacare Twits


Seems the “milleninums” don’t understand or appreciate capitalism, especially when it involves Obamacare. The Twits are Tweeting their dissatisfaction over Poppa John’s announcement that implementing Obamacare will increase their costs.

Well, duh!

Papa John’s CEO John Schnatter was hammered with Twitter abuse after informing shareholders and franchisees in August that implementing Obamacare would necessarily increase costs of running the business. Applebee’s is under the gun today after Zane Tankel, a franchisee whose company runs 40 New York-area restaurants, told Fox Business Network that a hiring freeze might be in the works.

Twitchy, “Applebee’s hiring freeze Obamacare

The Twitterverse went wild.

WHAT a JACKASS-Applebee’s CEO Threatens To Fire Emps / Freeze Hiring Because Of Obamacare

More fools…Zane Tankel, Applebee’s Franchisee, Says He Won’t Hire Because Of Obamacare

Oh boo hoo, Papa John’s, Olive Garden, Red Lobster, and Applebee’s. Like you’re so poor. 

I doubt there is a business major in this bunch.

Tankel said only that, faced with paying annual Obamacare penalties of $80,000 to $100,000 per restaurant, he was evaluating his options and would most likely halt expansion. It seems reading comprehension is tough, so we wonder how these people accusing Applebee’s of firing employees made it through all 2,700 pages of the Obamacare bill (like Nancy Pelosi did) to find out what was in it and how much it would cost other people’s businesses.

Original content copyright © InsureBlog

Buying Term Life Insurance Online


Loving Term Life InsuranceWe love term life insurance. But that shouldn’t come as a surprise — after all, it’s what we do. Yet, the more we help people protect their loved ones with term life insurance, the more we realize what a great value term life represents. It’s the most simple form of life insurance available. With no bells and whistles, such as cash values and policy loans, it also provides the most affordable coverage you can find.

And to our surprise, we’re not alone in our affinity for term life. Research shows more people are buying term life insurance than ever before. And what’s even better is they are buying it online. Meaning, they are taking charge of their life insurance needs by conducting research, obtaining quotes and ultimately securing coverage — all online.

So exactly who’s buying term life insurance? How are they buying it and why? Well, we have the answers. Thanks to research conducted by LIMRA and our own customer surveys, we’ve created a new infographic chock-full of life insurance buying behaviors, patterns and more.

We hope you enjoy it. And please, let us know if you have questions or need help finding coverage for you and your family!


Term Life Insurance Buying Trends

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Term Life Insurance For Your Children

Term Life Insurance Advice From the ‘Cake Boss’

Taxes and Fees and Penalties – Oh my!

FoIB Bob D sends us this report from Aetna enumerating the new taxes on tap for us under the ObamaTax.

Here’s a taste:

■ Health Insurer Fee
■ Transitional Reinsurance Program Contribution
■ Patient-Centered Outcomes Research fee
■ High Value Plan tax (aka **BMW** Cadillac Tax)

But wait! There’s more!

New annual taxes on “Big Pharma,” new annual taxes on medical device manufacturers, and the list goes on.

Download the report here.

Original content copyright © InsureBlog

Church Funding

The Lindberg Church of Christ in Anderson, Indiana came up with a different way to handle a construction and renovation loan. Seizing on a plan to pay back the loan, they took a less conventional route.

church leaders took out life insurance policies on 11 of their older members to cover construction and renovation projects.

Herald Bulletin, “Church failed financial plan

However noble their cause, the plan had a few hitches.

the plan fell through when there was no market to sell the life insurance policies and “the insureds continued to live,” 

Terribly inconsiderate of their parishioners, don’t you think?

Original content copyright © InsureBlog

The Road to Term Life Insurance


The Road to Term Life InsuranceAutumn is the best time of year for a road trip. The cooler weather combined with the dazzling colors of the season make the perfect recipe for an unforgettable drive.

Buying a term life insurance policy is similiar to taking a road trip. If you plan accordingly, pick the best route and be prepared for any minor bumps along the way, chances are you’ll reach your destination as planned and have an enjoyable journey. Okay, maybe the enjoyable part is a bit of a stretch. But it’s really not as bad as you might think.

IF you have a road map.

What — no road map, you say? Well, you’re in luck! We just created a brand new infographic called ‘The Road to Term Life Insurance.’ We thought you might need it to help plan your journey. Remember, the key to getting started is knowing the best place to begin (hint: our map will show you). Once you get going you’ll find the ride is easy peasy, or easy like Sunday morning, or … well, you get the idea.

So grab your iPod and a good book. It’s time to hit the road!

 The Road to Term Life Insurance

Related Topics:

Common Excuses for Not Purchasing Term Life Insurance

Top 8 Reasons to Buy Term Life Insurance

Being Aware: October is Time to Think Pink


Breast Cancer Awareness MonthOctober usually makes one think of autumn and brilliant autumn colors such as orange, red and yellow. But since its inception over 25 years ago, National Breast Cancer Awareness Month (NBCAM) brings the color pink to the forefront, as it joins the list of colors we frequently see in October.

NBCAM is a collaborative effort to promote awareness, share research and information about the disease and provide greater access to care and services. Since 2003, the incidence of breast cancer in the U.S. has remained stable. Awareness efforts appear to be effective; however, as mammography screening rates have increased leading to more cases of early detection.

Understanding risk and prevention are keys to decreasing your chances of getting breast cancer. Leading a healthy lifestyle through proper diet and moderate exercise for example, can be an effective way to help stave off this disease. And routine exams and screenings are useful tools for early detection of abnormalities.

As for breast cancer and its impact on term life insurance, you’ll be happy to know you can get coverage if you have a history of breast cancer. Of course, the life insurance company will consider many factors and your application will depend on your specific circumstances. In general, most companies will want to see that treatment has been completed and a period of time has passed with no recurrence. The more time has passed the better chances of approval and the better the premium rates.

Take a look at our newest infographic which includes current breast cancer statistics and prevention/early detection tips. We’ve even busted some of the more common breast cancer myths!


Breast Cancer Awareness Infographic


Related Topics:

Breast Cancer Prevention

Breast Cancer Awareness!

How to Get Term Life Insurance If You Have Breast Cancer