This is a follow-up to my last blog post my about my experience with my holistic MD. The point of this information is that there is a risk or a penalty attached to being different. Again, perhaps for reasons listed in my “exploring the unknown” post, society seems not to value the outlier. 

Here are some examples:

1.   Most medical practitioners would be unlikely to endorse that heavy metals test and perhaps even argue against it. Most patients would probably rebel at the idea of paying $300, for what?

2.   My doctor indicated that his malpractice insurance went up 250% after he provided information to the insurance company about his practice and methods. Some of you will see that as evidence for avoiding him.

3.   The doctor described a situation with a patient who was extremely health conscious. So much so that he wanted his children to have the heavy metals test. Later, one of the children ate something at a party that caused a case of hives. Alarming, but not life threatening, the father took his daughter to the hospital emergency room. The doctor there wanted to prescribe steroids. The health conscious father did not want his daughter treated with steroids and left. Shortly thereafter, someone from a government agency designed to prevent child abuse showed up at his door and he is now immersed in explaining his behavior.

Thinking outside the box is not a risk-free endeavor. Remember, that in 1492, almost everyone, including the intelligentsia felt the world was flat.

To learn more about how my team and I think outside the box, visit www.AmericanTerm.com.

1) Applying for absolute lowest term rate without consideration of other benefits like conversion/extension option or living benefits.

2) Applying for an inferior amount of coverage. For example, if breadwinner of family dies prematurely will you have enough money to replace his or her income or will you have to sell your home, downsize, cut costs dramatically? What about future expenses, college tuition, mortgage payments, etc.

3) Assuming that the life insurance rate for which you qualify is the best available to you. Every insurance company underwrites a little differently. Since 1969, we have saved our clients hundreds of thousands of dollars by re-shopping their life insurance after an initial “higher than expected” approval.

4) Not reviewing old life insurance policies. Rates and products are constantly changing and term life and permanent insurance rates are at all time lows. The best rates available to you now may be significantly lower than what you are currently paying on existing policies. We review all of our client’s policies periodically to see if any savings or a better policy may be available.

5) Lapsing or canceling any term life insurance or permanent insurance policy before finding out what the policy may be worth in the Life Settlement market. Many term policy holders age 70 or older may be able to “sell” their term policies for cash and permanent insurance policy holders may be able to get more money than their cash surrender value.

Visit www.americanterm.com for the best life insurance rates and value!

I'm Gordon E. Conwell, Jr. I started my career in financial services in 1969 and later founded the family business. I'm proud of my family and the family business we've built together. We have wonderful clients and enjoy solving problems for them. It's rewarding and joyous work!

I'll be sharing my thoughts about life, liberty and the pursuit of happiness here on these blog pages. The best way to know when something new has posted is to "connect" with us on social media. Just use the "connect" icons on this site. And if you wish to share any of my blog posts with friends or family, just look for and click the "share buttons" underneath each post.

Wishing you a wonderful, prosperous and very Happy New Year!