Leonard Robbins
Leonard's latest writings
Whole Life Insurance Ripoff?
This article is addressed to those of you who own whole life insurance coverage purchased many years ago, or are looking for lower cost "permanent" coverage today. First, a bit of background; up until the late 1970's, whole life insurance was the only type of permanent life insurance available. It was designed to endow at age 100 which means the cash value and the death benefit would be identical at that age. The only... (posted by Leonard 2 years 42 days ago.)
This article is addressed to those of you who own whole life insurance coverage purchased many years ago, or are looking for lower cost "permanent" coverage today. First, a bit of background; up until the late 1970's, whole life insurance was the only type of permanent life insurance available. It was designed to endow at age 100 which means the cash value and the death benefit would be identical at that age. The only... (posted by Leonard 2 years 42 days ago.)
Diabetes and Life Insurance
The most common type of this disease is known as "adult onset" or "Type 2" diabetes. Current estimates are that 25% of the population has this illness. Briefly, diabetes is a disorder of the pancreas which produces insulin. Insulin is the substance needed by the body to convert and breakdown sugars for use in cells. Without the necessary amount of insulin, the sugar level rises in the bloodstream and in turn, can cause... (posted by Leonard 2 years 55 days ago.)
The most common type of this disease is known as "adult onset" or "Type 2" diabetes. Current estimates are that 25% of the population has this illness. Briefly, diabetes is a disorder of the pancreas which produces insulin. Insulin is the substance needed by the body to convert and breakdown sugars for use in cells. Without the necessary amount of insulin, the sugar level rises in the bloodstream and in turn, can cause... (posted by Leonard 2 years 55 days ago.)
Life Insurance Tips for Smokers
When it comes to life insurance and cigarette smoking, there is no one carrier or type of coverage that one can predict as being the best value. Though rates for smokers are always higher than non-smokers, the difference increases dramatically as one grows older. Age and gender also affects which carrier is the best value. What should you disclose about your smoking habits? The short answer is always be truthful... (posted by Leonard 2 years 161 days ago.)
When it comes to life insurance and cigarette smoking, there is no one carrier or type of coverage that one can predict as being the best value. Though rates for smokers are always higher than non-smokers, the difference increases dramatically as one grows older. Age and gender also affects which carrier is the best value. What should you disclose about your smoking habits? The short answer is always be truthful... (posted by Leonard 2 years 161 days ago.)
Juvenile Diabetes and Life Insurance
Underwriting life insurance has always been a conservative undertaking, and nowhere has this been more evident that when it comes to underwriting the individual with juvenile diabetes. Also known as Type 1 diabetes, this disease affects newborns, children and adolescents. In the non-diabetic, the pancreas produces a hormone, insulin, in the correct amount to change glucose in the blood into energy. Type 1... (posted by Leonard 2 years 190 days ago.)
Underwriting life insurance has always been a conservative undertaking, and nowhere has this been more evident that when it comes to underwriting the individual with juvenile diabetes. Also known as Type 1 diabetes, this disease affects newborns, children and adolescents. In the non-diabetic, the pancreas produces a hormone, insulin, in the correct amount to change glucose in the blood into energy. Type 1... (posted by Leonard 2 years 190 days ago.)
Life Settlements-The Good, The Bad, And The Ugly
Mention Life Settlements and you're bound to hear strong opinions, both positive and negative. The life settlement market has grown into a billion dollar industry in the last few years. If you're over 50 and own a term life insurance policy you no longer need, this could mean money in your pocket. First, the Ugly Every market has those who try to "game" the system. Many seniors have fallen prey to... (posted by Leonard 2 years 253 days ago.)
Mention Life Settlements and you're bound to hear strong opinions, both positive and negative. The life settlement market has grown into a billion dollar industry in the last few years. If you're over 50 and own a term life insurance policy you no longer need, this could mean money in your pocket. First, the Ugly Every market has those who try to "game" the system. Many seniors have fallen prey to... (posted by Leonard 2 years 253 days ago.)
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