United Of Omaha Still Rocking With Fit Test!
It’s probably been close to a year since I first mentioned the United of Omaha (Mutual of Omaha) lifestyle crediting program for life insurance underwriting called the Fit test. The Fit test provides...
View ArticleThe Re-Reinvention Of Life Insurance!
I’ve often talked about the good old days of life insurance. Good for the clients. Good for the agents and the companies too, and not all that long ago. It was a time when companies had the freedom to...
View ArticleFinally! Some Recognition For Good Cholesterol!
For years the underwriting benchmark for life insurance’s best rate class has been a cholesterol ratio of 5.0, 4.5 by some more conservative companies. The cholesterol ratio is determined by dividing...
View ArticleUnited Of Omaha Continues To Dominate With FIT Credits!
Table rated term insurance offers continue to tumble to a standard rate with United of Omaha’s health and lifestyle credit method, what they call their Fit test. I continue to be pleasantly amazed at...
View ArticleUnited Of Omaha Has It Right!!
United of Omaha came out with a marketing piece today that just made me smile. One of the things I feel so very strongly about in life insurance is the ability to convert a term insurance policy to a...
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Now That Is Some Brave Life Insurance Underwriting!
I get industry updates almost daily when companies believe they have a niche that is going to the the magic bullet for a client. Sometimes I wonder if anyone really thinks it through before they yell,...
View ArticleLife Insurance Accelerated Death Benefit?
I have written several posts about the life insurance accelerated death benefit. As a refresher the practice of offering a partial accelerated benefit to terminally ill clients came about as a way to...
View ArticleThe Need To Talk In A Cyber Life Insurance World!
This is just a spin on a talk I have with my granddaughter at least once a week. We have become a disconnected world where people no longer see the logic in a conversation unless it is done...
View ArticleBlood Pressure And Cholesterol Underwriting Loosen A Bit!
It’s been a long time since most insurance made any kind of fuss over being treated for cholesterol. As long as it was well controlled you could count on best rate class approvals. Now companies have...
View ArticleMutual of Omaha. A Truly Wild Kingdom!
Are you ready to celebrate the 50th anniversary of Mutual of Omaha’s never ending show Wild Kingdom. I was an obnoxious 10 year old when Marlin Perkins first took over our TV’s and started teaching us...
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