350lbs 5'4 Wants 50k Life Coverage

[MikeRobinson]

Hum
I have not run into this situation is some time. Based off weight i know all standard carriers would be a auto decline. What can i assist her with ? Final expense? Assume Pinney can assist. Correct?. Group thoughts please.

 

[Rearden]

45-55ish in age you can get 50k with TA. No height/weight charts.

60+ with Aetna can get $30k+.

RNA 50+ can get 25k+

Settlers Silver will go up to 35k; no height/weight chart.

You may have to stack some policies to make it happen depending on age and health factors.

 

[TwiLight]

45-55ish in age you can get 50k with TA. No height/weight charts.

60+ with Aetna can get $30k+.

RNA 50+ can get 25k+

Settlers Silver will go up to 35k; no height/weight chart.

You may have to stack some policies to make it happen depending on age and health factors.

Slight Correction

Settlers Silver is a max $25k ages 6mo-85, and Gold is $35k 15days-85 with a Ht/Wt Chart....

Aetna is $35k 60-65, $25k 66-80, $15k 81-85 and $10k 86-89 for level benefit.

 

[goillini52]

Hum
I have not run into this situation is some time. Based off weight i know all standard carriers would be a auto decline. What can i assist her with ? Final expense? Assume Pinney can assist. Correct?. Group thoughts please.

You really didn't give much info. Age? Male or female? Smoker or non smoker? Health? With that weight, any diabetes or heart problems?

 

[Jerard]

You can also use TA for under 45 fatties, as well. Perhaps not as high as 350 but they will go standard quite a bit higher than the weight chart. I confirmed a Standard quote (not Preferred) for a 33 year old woman that's 5'6" and 285.

 

[pcbinsurance]

"I confirmed a Standard quote (not Preferred) for a 33 year old woman that's 5'6" and 285"
***********************
This pork chop he's trying to cover is two inches shorter and at least 65 pounds heavier. Probably more after the holidays.

 

[Rearden]

"I confirmed a Standard quote (not Preferred) for a 33 year old woman that's 5'6" and 285"
***********************
This pork chop he's trying to cover is two inches shorter and at least 65 pounds heavier. Probably more after the holidays.

When I am sizing up a large person and think they may not make the height/weight limit, I always ask them:

"What do you weigh, first thing in the morning, unclothed, after you use the bathroom (code for, after you take a sh*t)?"

Weight fluctuates dramatically for heavy people (+/- 10 pounds from day-to-day, depending on what was eaten or drank the night prior), and a morning weigh-in usually has the benefit of being the least-heaviest relative to weigh-ins later in the day.

Sometimes I'll ask:

"What do you weigh first thing in the AM, unclothed, after you take a crap, and after you run around the block 10 times wearing sweats and a garbage bag?" (just kidding, I don't ask that. But I think it!).

 

[Newby]

When I am sizing up a large person and think they may not make the height/weight limit, I always ask them: "What do you weigh, first thing in the morning, unclothed, after you use the bathroom (code for, after you take a sh*t)?" Weight fluctuates dramatically for heavy people (+/- 10 pounds from day-to-day, depending on what was eaten or drank the night prior), and a morning weigh-in usually has the benefit of being the least-heaviest relative to weigh-ins later in the day. Sometimes I'll ask: "What do you weigh first thing in the AM, unclothed, after you take a crap, and after you run around the block 10 times wearing sweats and a garbage bag?" (just kidding, I don't ask that. But I think it!).

Do you ask it for Earth weight or moon weight?

 

[goillini52]

When I am sizing up a large person and think they may not make the height/weight limit, I always ask them:

"What do you weigh, first thing in the morning, unclothed, after you use the bathroom (code for, after you take a sh*t)?"

Weight fluctuates dramatically for heavy people (+/- 10 pounds from day-to-day, depending on what was eaten or drank the night prior), and a morning weigh-in usually has the benefit of being the least-heaviest relative to weigh-ins later in the day.

Sometimes I'll ask:

"What do you weigh first thing in the AM, unclothed, after you take a crap, and after you run around the block 10 times wearing sweats and a garbage bag?" (just kidding, I don't ask that. But I think it!).

Does she crap out 10 pounds at each sit?! HILARIOUS!

----------

"I confirmed a Standard quote (not Preferred) for a 33 year old woman that's 5'6" and 285"
***********************
This pork chop he's trying to cover is two inches shorter and at least 65 pounds heavier. Probably more after the holidays.

Hey...be sensitive. I'm sure she can't help it...she's probably got a gland problem.......or something. LOL

 

[Newby]

Does she crap out 10 pounds at each sit?! HILARIOUS! ---------- Hey...be sensitive. I'm sure she can't help it...she's probably got a gland problem.......or something. LOL

Yeah, I've got a gland problem too. It's called French fries are awesome.