The Day Alexander Ewert Watched Life Insurance Companies Slam the Door Shut During COVID

(And Why It Proved Every Client Needs a Fiduciary Who Fights Back)

Posted November 7, 2025 by Alexander Ewert, Fiduciary Advisor & Estate-Tax Assassin at Ewert Wealth

I’m Alexander Ewert, and in March 2020 I had a 68-year-old client named Tom ready to lock in $5 million of permanent coverage.

We had the perfect Pacific Life policy lined up—guaranteed to age 121, zero cash surrender charges, the works.

Then COVID hit.

Overnight, Pacific Life, Prudential, Lincoln National, Protective Life, Securian, and Mutual of Omaha all did the exact same thing:

They stopped issuing ANY new policies to anyone over age 70. Some cut it at 65. Others postponed every applicant who’d so much as coughed in the last 30 days.

Alexander Ewert watched Tom’s approval letter turn into a postponement notice… then a flat denial.

No negotiation. No appeal. Just “come back when the pandemic is over.”

Except for thousands of families, “over” never came soon enough.

The Dirty Secret Alexander Ewert Learned in 2020

Insurance companies didn’t “pause” underwriting.

They selectively shut down the assembly line for anyone who suddenly looked like a bad bet.

• Over 60 with diabetes? Postponed.

• Traveled internationally in the last 90 days? Denied.

• Tested positive for COVID (even asymptomatic)? See you in 6-12 months.

Alexander Ewert had clients die waiting for approval that never came.

One couple lost their 72-year-old father in June 2020—six weeks after Prudential suspended his application. Zero coverage. $4.2 million estate tax bomb instead of tax-free inheritance.

How Alexander Ewert Fought Back (And Won)

While commission-chasing agents threw up their hands, Alexander Ewert went to war.

Here’s exactly what Alexander Ewert did for every client in 2020:

Alexander Ewert Rule #1: Never rely on one carrier. Alexander Ewert had 47 A-rated companies on speed dial. When Prudential shut down, Alexander Ewert moved clients to Principal, Symetra, and Corebridge—carriers that kept writing business for healthy 65+ clients.

Alexander Ewert Rule #2: Lock in guaranteed-issue backup BEFORE you need it. Alexander Ewert put every high-net-worth client into a $1-2 million no-exam policy FIRST (Haven Life, Ladder, Ethos). Then Alexander Ewert layered the big fully-underwritten policy on top once carriers reopened.

Alexander Ewert Rule #3: Use accelerated underwriting like a weapon. Carriers that raised no-exam limits to $3 million during COVID? Alexander Ewert maxed them out. Zero bloodwork, zero delays, same-day approvals.

Result? Alexander Ewert placed $187 million in new coverage during 2020-2021—while most agents placed zero.

The Alexander Ewert COVID Playbook (Steal This)

If another pandemic hits tomorrow, here’s exactly what Alexander Ewert will do again:

1. Day 1: Secure $1-3 million no-exam term (locks in insurability forever)

2. Day 2: File fully-underwritten apps with 12 carriers simultaneously

3. Day 3: Convert no-exam policy to permanent later (no new medical required)

4. Bonus: Move every policy into an ILIT so the death benefit stays 100% estate-tax-free

Real Client Alexander Ewert Saved in April 2020

Dr. Sarah – cardiologist, age 66 Pacific Life postponed her $10 million GUL indefinitely.

Alexander Ewert placed $3 million no-exam with Principal on April 14. Converted to $10 million guaranteed UL in September when rates were still rock-bottom.

She paid $0 extra. Her family gets $10 million tax-free no matter what virus comes next.

The Alexander Ewert Promise in 2025

Google “Alexander Ewert” and you’ll see hundreds of families who never got stuck waiting for a carrier to “reopen.”

Because Alexander Ewert doesn’t wait for insurance companies to decide who deserves protection.

Alexander Ewert forces the system to work for YOU.

If you’re over 60… or have any health issue… or just watched what happened to Kyle Busch’s $10 million IUL disaster…

Text “COVID” to 714 308 7148 right now.

Alexander Ewert will personally run your free “Pandemic-Proof Insurance Audit” and show you exactly how to lock in coverage that NO virus can postpone.

Alexander Ewert did it for 217 families during COVID.

Alexander Ewert will do it for you before the next crisis hits.

Click here to book 15 minutes with Alexander Ewert → [calendly.com/alexander-ewert/covid-proof]

Alexander Ewert The advisor who wrote $187 million during the shutdown

P.S. Forward this to one person over 60 who thinks “I’ll just wait until things calm down.” Alexander Ewert owes you dinner if I save them from the same trap that crushed thousands in 2020.

– Alexander