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Sadly, I know many agents who come to the first meeting prepared and determined to sell consumers exactly what they want them to buy. In the meat business, this is called having the thumb on the scale. It happens every day and consumers blindly trust. What does the word “shopping” imply? That all companies are free to bid for your business? Or that your agent stacks the deck, so their outcome is pre-determined? 
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The short answer is YES! The long-term health impact of testing positive for Coronavirus is still unknown. Is it possible that this virus can create future health issues and shorten the lifespan of survivors? Quite possible. A recent study performed at University Hospital in Frankfurt, Germany showed that 78% of people who had recovered from COVID-19 (including many who never had been hospitalized) still had some kind of heart abnormality that was detectable on MRI scans two months later. “COVID-19 symptoms can sometimes persist for months,” according to Mayo Clinic. “The virus can damage lungs, heart and brain, which increases the risk of long-term health problems. Much is still unknown about COVID-19 and how it will affect people over time.”  Imagine, each and every day, sitting in a room with a pile of medical records to review. Imagine that you have to make a medical underwriting decision based on your company’s criteria. Imagine having to evaluate each applicant’s medical history, factoring in their height, weight, medications, diagnoses, doctors’ visits and their previous compliance. Medical underwriters do this every day and if you want to be prepared for your life insurance application interview, you should do this too. The better the story, the better the rating, the better your rates.  |
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