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In this episode, we ask:

• What is the truth about the last few years?
• Would you like to learn about underwriting?
• Who is Ryan Nemcek?
• What happened at Ryan’s wedding?
• How did Ryan become the Senior Underwriter at Security Mutual Life Insurance Company (SML)?
• What does underwriting entail?
• What’s is the weirdest case that has come across Ryan’s desk?
• What is a contestability period?
• When does an investigation occur?
• What happens within the first two years of a policy?
• What about suicide?
• What is adverse selection?
• What about risk?
• What has been happening since 1886?
• What about pricing?
• What about sustainability?
• What about having the funds to pay the claims, when they need to be paid?
• What happened over the last two years?
• What changed with COVID?
• What about risks?
• How has underwriting changed?
• What about life expectancy?
• What about advances in medicine?
• How does Ryan view the Bank on Yourself® strategy?
• How much death benefit does it buy?
• Can you afford it?
• How is life insurance a good tool?
• What is the limit on how many policies one could own?
• What about calculations based on multiples of age?
• What about calculations based on annual income?
• How long has Security Mutual been in business?
• What are the unique underwriting programs at SML?
• What is a risk class?
• What about years and years of mortality studies?
• What about heart disease?
• What about the long term growth of the policy?
• What is the “standard” rating?
• How might one improve their rating?
• What is the healthy living program?
• What about favorable factors?
• What is express underwriting?
• What are the limits to express underwriting?
• What happened with a lot of companies at the beginning of the pandemic?
• What is unique about SML?
• What is possible?
• What is the oldest age you can apply?
• What is the youngest age you can apply?
• Would you like to visit sml.ny.com?