Todd Simpson

Todd Simpson, a veteran life insurance broker with over 30 years of experience, offers a fascinating glimpse into high-risk underwriting. He discusses the dramatic evolution of life insurance products since the 1980s and how various medical conditions, like diabetes and heart disease, affect insurability. Simpson highlights the role of the Medical Information Bureau in the application process and stresses the importance of honesty for those with health challenges. His insights also emphasize the significance of securing life insurance at a younger age for long-term benefits.