Big Lou Insurance

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Big Lou Insurance
348 Miracle Strip Pkwy SW
Fort Walton Beach, FL 32548
United States

Why You Should Never Lie on a Life Insurance Application

It is not uncommon for applicants to lie on their life insurance applications, whether the lie is direct or indirect – as in failing to disclose relevant information about the applicant’s risks and conditions. The temptation to lie is obvious. Insurance premiums can be particularly expensive when the applicant has been placed in a high … Continued

8 Health & Fitness Blogs That Will Help You Lose Weight

Obesity is one of the most critically important factors influencing an applicant’s life insurance risk class, premium rates, and overall eligibility for life insurance in the first place. During the underwriting process, an applicant’s weight and height are compared against a reference height/weight table. The more overweight an applicant is for their height, the more … Continued

5 Life Insurance Underwriting Myths Most People Believe

It is not surprising that so many potential life insurance applicants subscribe to commonly held misconceptions about coverage. Life insurance companies are not monolithic in their offerings, and therefore consumers would be wise to do their due diligence before deciding where they make their life insurance purchases. Policies and underwriting guidelines can vary from insurer … Continued

How to Keep Your A1C Levels Low Before a Life Insurance Exam

Anyone living with an adverse health condition knows that it can be more difficult to qualify for a life insurance policy compared to someone in good health. Since any condition that affects life expectancy is typically considered as an increased risk to the insurance provider, applicants with various health issues are oftentimes either denied coverage … Continued

How Does My Testicular Cancer Diagnosis Affect Life Insurance?

Navigating Life Insurance After Testicular Cancer No one wants to hear the word “cancer” uttered to him at the doctor’s office. This scary diagnosis could greatly affect your life, and you just want to know what next step to take. It’s easy to get overwhelmed with words like “nonseminoma” and “spermatocytic,” but once the initial … Continued

Smokers Die Young—the Reality of Smoking & Life Insurance

Warning This is Not a Safe Zone—this post about smoking and life insurance is an honest, direct, and potentially politically incorrect. You’ve heard the warnings, and you’ve still decided to partake in that daily pack of cigarettes. While you probably know all about the dangers of smoking and nicotine use, it may not have crossed … Continued

How to Maximize Wealth, Minimize Tax Liabilities and Diversify Investment Risk With Life Insurance

Too busy to read this article on asset maximization? Skip to the end of this article and download our free resource on how to use life insurance to maximize wealth. If you’re approaching retirement, or even if you’ve been retired for ten years already, you probably know the importance of planning for your financial future. … Continued

4 Things Most People Don’t Know About Life Insurance

When it comes to life insurance most folks fall into three camps: They have a policy but don’t know much about it. They don’t have a policy and aren’t sure why they need one. They know all about life insurance and have an advisor they work with that helps meet their life insurance needs. This … Continued

How to Get Life Insurance After a Heart Attack

If you’ve recently suffered a heart attack, also known as a myocardial infarction, and you now want to purchase a life insurance policy, you might find that approval for life insurance after a heart attack isn’t as easy as you thought. However, the good news is that heart attack life insurance is difficult, but not … Continued

How to Avoid a Poor Health Class and Save Money on Your Policy

Applying for life insurance can be a harrowing experience for those who are hoping for a superior health classification and the lower premiums that come with such classification. Over the course of the application process, the insurer will measure and identify an applicant’s risk class, or life insurance rate class, by conducting a holistic assessment … Continued

3 Costly Mistakes Seniors Make When Purchasing Life Insurance

Thanks to medical and technological advances, life expectancy in the US is on the rise. As result, the demand for life insurance for seniors is also on the rise, and insurance companies are stepping up to meet those demands. So the mere fact that you’re a senior over the age of 60, 70 or possibly … Continued

Do Life Insurance Companies Discriminate Against Mental Health Sufferers?

If you suffer from a mental illness or have a history of mental health issues your life insurance will most likely be affected. If you’ve pursued treatment for a mental illness or sought professional therapy for mental health issues it’s likely that you may receive a different health rating class or surcharge on your life … Continued

5 Big Ideas for Getting Affordable Life Insurance with Heart Conditions

It’s no secret that life insurance companies view customers with heart conditions as high risk clientele. That’s because heart conditions are the leading cause of death in the United States—killing over 600,000 people each year according to the Center for Disease Control and Prevention. In fact, cardiovascular diseases (another term for heart conditions) are the … Continued

One Surprising Way Being Overweight Impacts Your Life Insurance Premiums

Life insurance companies use your weight and body mass index to determine your health class rating and price your life insurance policy. Shedding a few pounds before your life insurance medical exam is one way to reduce your policy premiums—but this one little known way your weight impacts your life insurance premiums might surprise you. … Continued

5 Life Insurance Medical Exam Tips to Avoid Paying Too Much

Ben Franklin said, “by failing to prepare you are preparing to fail.” Preparation is important when it comes to your life insurance medical exam too. That’s why we’ve written this guide on how to prepare for a life insurance medical exam. Editor’s note: Too long to read? Skip to the end of the article and … Continued

Watch Out For These 4 Signs of High Blood Pressure to Avoid Paying Too Much For Life Insurance

High blood pressure is one of the most common causes of high life insurance premiums. In this article we’ll show you how insurance underwriters view high blood pressure and how to keep your blood pressure under control so you can save money on your life insurance. High Blood Pressure—a Modern Day Epidemic High blood pressure … Continued

Over 50 Life Insurance: How to Get Affordable Life Insurance Even if You’re Over the Hill

Whether you’re a 50 year old man or a 50 year old woman—getting life insurance in your 50’s is a challenging proposition. If you’re considering purchasing your first policy or if your term insurance policy is coming to an end we’ll help you sort out all of your options for getting life insurance in your … Continued

6 Secrets Only Insurance Brokers Know About ADHD & Life Insurance

If you’re beginning your search for life insurance with ADD (attention deficit disorder) or ADHD (attention deficit hyperactivity disorder) we wrote this life insurance article just for you. In this article we give you all the inside information you need to know to secure an affordable life insurance policy even if you have ADD or … Continued

Depression & Life Insurance

Getting affordable life insurance with a history of mental illness or depression is a complex process. Most people know that insurance companies look into their physical health including their blood pressure, cholesterol levels and weight. But insurance companies are also interested in your mental health as well, and that includes checking for a history of … Continued

Getting Life Insurance With Anxiety

Do you need life insurance but you’re taking anxiety medication? Are you shopping for life insurance with an anxiety disorder diagnosis? Or maybe you’ve already been denied life insurance for anxiety? Big Lou® is here to help. In this article we’ll help you understand how life insurance companies underwrite for anxiety conditions, how they view … Continued