36 Year Old Male, Insulin + High Blood Pressure

[pomfin]

I assume that not many companies can do HBP+Insulin Diabetes for 36 year old male. He is too young for some companies. Any suggestions?

 

[BNTRS]

What are you looking for?

 

[dgoldenz]

What's his A1C and glucose readings? Is the blood pressure untreated or under control with medication? 36 shouldn't be too young....

 

[pomfin]

What are you looking for?

companies can insure him for life insurance, 50K, 100K etc.
Most companies will decline him due to his condition.

 

[pdoyle]

well controlled juvinal onset diabetics start out at table 6. Depending on height/weight, history of control of both DM and BP a table 4 could be possible.
Does he know what his A1C is?

 

[Mark]

I assume that not many companies can do HBP+Insulin Diabetes for 36 year old male. He is too young for some companies. Any suggestions?

United Home Life new Express Issue Term Deluxe 20 would take him. $47.94 for $50,000 on an Immediate Death Benefit.

 

[pdoyle]

Table 6 with Genworth would be $23.84 50k 20yr term... but fully underwritten
West Coast t-6 100k 20yr would be $34... but again... fully underwritten.

 

[Mark]

My price was non med and jet issue.

 

[Lifeman09]

Your best option is going to be with United Home Life They do standard issue/ simplified to table 8

 

[pdoyle]

easiest option is UHL... I don't know if it's the "best" option. If he can qualify with underwriting... he saves $5,000 over 20 years with the 50k genworth. And table 4 is not out of the question...

Does UHL issue if there has been an MIB hit (decline)?
If they do... I would put the UHL infiorce on a monthly basis then apply with Gen or WC and see if I couldn't cut the premium in half.