‘Tis the Season to be Jolly well Issued a Life Insurance Policy

Historically, the 4th Quarter of most calendar years presents significant opportunities for clients seeking a life insurance policy.

Many life insurance carriers, particularly Stock Companies – companies owned by outside shareholders and run by an incentivized management team (which account for the majority of life insurance carriers in the US today) – are behind in their annual quota of business placed during the year. Hence, in certain circumstances, particularly larger cases, they are willing to make underwriting concessions they may not have earlier in the year.

Year after year we see impaired risk cases that have previously been flatly declined or very heavily rated that get issued in an acceptable risk category during the 4th quarter. This includes certain diabetes, heart, cancer, multiple sclerosis and other impaired risk cases.

Now is an exceptional time to advise a friend or client to contact their agent if you are aware of any issues that may have prohibited them from purchasing life insurance coverage.

Happy Holidays,
Richard

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November 11, 2023

Framework Insurance & Financial Solutions, LLC and/or its agents are presently licensed to sell traditional life insurance in the following states:AK, AZ, CA, CO, CT, DE, FL, GA, IL, IN, MA, MD, MI, MN, MS, NC, NJ, NM, NV, NY, OR, PA, RI, SC, TN, TX, UT, VA, WAVariable life and annuity products, as well as other securities products, may be sold in the following states:AZ, CA, CO, CT, DE, FL, MA, MS, NC, IL, NJ, MI, NM, NV, NY, OR, RI, SC, UT, VA, WA
Some of the professionals on this site are registered representatives of, and offer securities through The Leaders Group, Inc., a Registered Broker/Dealer, Member FINRA/SIPC 26, W. Dry Creek Circle, Suite 800, Littleton, CO 80120 | (303) 797-9080. Framework Insurance & Financial Solutions, LLC is not affiliated with The Leaders Group, Inc. Check the background of this Firm and/or investment professional on FINRA’s BrokerCheck.This material is intended for informational purposes only. It should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney or tax advisor.

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‘Tis the Season to be Jolly well Issued a Life Insurance Policy

Richard Myerson

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