34 Male with HIV, What Co. Can Provide FE?

[Sales71]

I don't do California. But you can search for an agent there that does funeral preneed insurance. He can buy up to $25,000. It's 10-year pay (or shorter.) Increasing benefit.

Any amount they don't use on funeral/cremation costs goes to the beneficiary (just like any life insurance.) If he's on Medicaid you don't want to overfund it because you will lose the excess to Mediciaid (just like any life insurance.)

He will have 75% coverage after 12-months. 100% after 24.

And yes he can have full blown AIDS or any other condition. Everyone is accepted.

Just curious what would be a cost for 25K coverage....

 

[ActingBoss]

I would say about 30%-40% of my clients have AIDS. I will say that it does help them with hearing although some of them still need to be shouted at.

Only the unwashed would think that is funny.

 

[rapidrobert]

It's very pricey, but Americo has a guaranteed issue FE.

 

[Ron Van D]

Only the unwashed would think that is funny.

Unwashed I am, then. (I also like the "cheesy" menu at Denny's!)

 

[Newby]

Just curious what would be a cost for 25K coverage....

It would be 242 monthly and fully paid up in 10 years. He would have $17,500 non contestable coverage after 12 months and $25,000 after 24 months.

The death benefit is projected to grow $875 per year every year of his life so in 10 years he will have paid $29,040 and have a death benefit of $33,750.

At age 74 he will have paid in $29,040 and have a death benefit of $60,000.

Not a bad option for a guy with AIDS. If he lives past 1 year he is way ahead no matter how long he lives.

 

[ActingBoss]

Unwashed I am, then. (I also like the "cheesy" menu at Denny's!)

I am sure the Happy Meal at McD's captivates you also.

You probably also think the Chik-fil-a cow spells chicken correctly.

 

[ChicagoProducer]

I have $10,000 max for $36.80, 2yr Mod, for this age 34 male. Guaranteed Issue, no health questions, period.

Pays 50% with 6 months advanced. Let me know offline if you want contract info.

Good luck out there my friend.

 

[ChicagoProducer]

How "bad" the client "wants" it is ultimately up to the client and is not the point of this thread. The OP sounded like he wanted a few options to present to the client and came on here for help. So Mr Thompson unless you have a product which can help our poster, you're not adding to the discussion are you?

 

[Ron Van D]

I am sure the Happy Meal at McD's captivates you also.

You probably also think the Chik-fil-a cow spells chicken correctly.

Yeah, so?!

The Happy Meal is captivating, IF it is a CHEESEburger. Listen to my jokes and you'll know I love cheese.