So what type of life insurance policies don’t do underwriting upfront?

Usually, those sold by telemarketers and other low grade insurance resellers. Some of the more common life insurance policies sold through telemarketers have the bulk of their underwriting assessment done at claim time. For the uninformed consumer, we say this is dangerous (probably bordering on crazy) because you never really know if you are insured until you have to claim.

  • This means that for the first 5 years you may not be covered for what you expect. (Have a look at the fine print of these policies and see for yourself)
  • It also means that at claim time, if an insurance company were to decide that you were never really eligible for the policy in the first place, they simply won’t pay out the claim and might simply refund the premiums paid to that date.
  • The risk to you of not understanding the fine print is particularly significant.

Where is the peace of mind with this type of policy you ask? Yep, we’re still looking for that ourselves. Without the assistance of a speciality risk adviser from you’re totally on your own. And who will be there for you and your loved ones at claim time? A

About Us

Unusual Risks Insured provides support to those people who big insurance companies leave behind. We believe in giving every person the power to use life insurance products to protect & provide for their loved ones, their businesses, and their legacy — free from barriers of stigma and discrimination.

We know, as an LGBTQIA+ person (or someone who goes without labels entirely), you probably have specific financial advice, life insurance, and privacy needs.

  • We're committed to serving the LGBTQIA+ Community and its Allies.
  • For us, it's about change leadership and #AdviceEquality.

Why not make us part of your story, so if the unexpected happens to you or whoever is family to you, you'll have a backup plan in place to help you financially recover and life can still get better for somebody you love.

#LoveTakesAction  #AdviceEquality  #PrideInAdvice

contact drew browne advisor Unusual Risks Insured and Sapience Financial

Drew Browne, Senior Advisor

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