20-pay Whole Life Final Expense Question

[Fisher]

How about $20,000 male std non ages 55

55 - $50.16/month

and 65

$73.79/month

Cali rates.


I don't know about their F2F requirements as all of my biz is F2F. Initially, anyway.

 

[WinoBlues]

55 - $50.16/month

and 65

$73.79/month

Cali rates.


I don't know about their F2F requirements as all of my biz is F2F. Initially, anyway.

Thanks, I need to tighten down my SIWL companies to two or three primaries. Based on apps and 5 & 10 year total comp.

 

[The Gimp]

Mail is acceptable with CSA

 

[scotte]

I was looking at an app for CSA FE, and it says if the client has taken any meds for high blood pressure in the last 2 years. They would be offered a graded policy? Is this true or are they asking if they started taking the meds in the last 2 years( meaning if taking the meds for 5 years they would qualify for level)?

 

[Todd King]

I was looking at an app for CSA FE, and it says if the client has taken any meds for high blood pressure in the last 2 years. They would be offered a graded policy? Is this true or are they asking if they started taking the meds in the last 2 years( meaning if taking the meds for 5 years they would qualify for level)?

Scotte, the app IS just a little misleading when it comes to HBP. The way it is located on the app makes it look that way. The answer is NO, it would not make it graded, but if it was coupled with one of the other conditions listed, like Pacemaker, CHF, Insulin-Dependent Diabetes or such, it would be graded.
I hope this helps.

 

[jdeasy]

Scotte, the app IS just a little misleading when it comes to HBP. The way it is located on the app makes it look that way. The answer is NO, it would not make it graded, but if it was coupled with one of the other conditions listed, like Pacemaker, CHF, Insulin-Dependent Diabetes or such, it would be graded.
I hope this helps.

An insulin dependent person that take high blood pressure medicine can't get immediate coverage with them?

 

[scotte]

What about Insulin only( nothing else in that list) would they be level or graded? Do they have to have 2 things checked to be graded?

 

[WinoBlues]

CSA is a fraternal organization. Been around for over 150 years. No PHI, MIB or Rx check. Pretty easy to work with but you have mail-in the app and first month's premium.

Do they underwrite by the app. If the answers are no the qualify?

 

[The Gimp]

What about Insulin only( nothing else in that list) would they be level or graded? Do they have to have 2 things checked to be graded?

They won't take insulin.

Do they underwrite by the app. If the answers are no the qualify?

On the FE product that is correct. On the other products there is some underwriting. The WL is non-med depending on age and face amount.

 

[scotte]

You mean Insulin is a decline. The app looks like a flow down app( sec A,B,C,D). it looks like they take a lot of conditions most decline as modified( in nursing home, dementia)