36f Needing Underwriting Help

[tyler1129]

Hey forum,

I have a36 year old female in Nevada who wants a 30 yr ROP term policy. She caught a substantial rate up from Transamerica due to a "non secreting pituitary microadenoma".

Where can I put this prospect for her best rate? Non rateable build, healthy, non tobacco.... Only other condition is that she is currently pregnant.

Help, folks!

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Really, nobody? Was hoping someone knew underwriting well enough...

 

[pdoyle]

Lincoln Financial would likely do a better job underwriting but they don't have an ROP product. Maybe Pru...

 

[NinjaNic]

Not until 5 years out from surgery/radiation/treatment will she get standard. 2 years out is table 4, 3 is table 3, 4 is table 2 and 5 is standard. Get her insured under a 10 year term with the intention on replacing it when she hits 5 years. If you sell her a rated ROP plan, you can almost guarantee there is not a refund of rated premiums (all carriers offering ROP that I know of are this way), defeating the purpose.

And, call your upline...that is what you pay them for.