Medical record requests from life insurance companies raise important privacy concerns for applicants seeking coverage. Understanding your rights under HIPAA, the legal framework governing these requests, and how medical history impacts underwriting decisions helps you navigate the application process with confidence. This comprehensive guide examines when insurance companies can access medical records, what information they […] Read more
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✋ When NOT to Buy Life Insurance Making Smart Coverage Decisions Life insurance is not necessary for everyone. Understanding when coverage is not needed or when alternatives are better helps you avoid wasting money on unnecessary policies and make informed financial decisions. ✓No Dependents: Single with no financial obligations ✓Self-Insured: Sufficient assets to cover needs […] Read more
You’re on the phone with an insurance agent who says you might qualify for $1 million in coverage — yet your friend applied for $500,000 and was turned down. Then you try an online calculator and get a completely different number. It’s easy to wonder if life insurance companies have some secret formula hidden behind […] Read more
