36/m 6ft, 280lbs in Alabama

rich10jr

New Member
16
I have no experience in health insurance but have a life client who is looking for health coverage in Alabama. He is 36/m non tob, 6ft/280lbs, no health problems, no meds, had no trouble getting 1 mil 30yr term life policy placed with standard rate. This is why I am shocked BC/BS turned him down due to height/weight. How can I help him find coverage?

Thanks for any help
 
. This is why I am shocked BC/BS turned him down due to height/weight.

Mortality & Morbidity are two different things. I would say most people declined for health insurance are insurable for life(Preferred or a rate up).
I'm not familiar with Alabama. Hopefully someone else will chime in.
 
Aetna you can expect a 75% rate up at least. Do they have cigna there yet?

I got a 25% rate up on a 6'3 290 pound guy 2 weeks ago with Cigna. Their BMI underwriting is more lenient if no other issues exist.

You also could go Assurant health access 2 or 3, they don't look at weight at all, they're also going to have to add 100% preventive care to those plans next year because of how they are classified. They're solid for mini-med.
 
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