- 5,303
What carries are you using for these cases?
<40 & Outside Of Normal Height-Weight Guidelines
- Thread starter Rearden
- Start date
National Security Graded if they are way off the scale..
- 17,063
I told you guys you would miss Settlers once they were gone.
- 4,299
LBL is pretty liberal on weight guidelines. If the client is too heavy for them, I'll go to Sons of Norway GI.
Don't they have a build chart that includes the graded?
You are right.. Takes fairly heavy people.. It is back to Settlers..
- 5,919
I am working on a method of covering only 1/2 a client at a time. By doing this, between two companies most clients should be able to get full coverage. Not sure yet how to address which company is responsible for which half, or if coverage should be placed top to bottom or cheek to cheek.
These matters weigh heavily upon me as they are sizable problems. As soon as I have looked at all the options and weighed the risk I'll let you know.
Pound for pound though, I am sure double or 2X companies are the best option for most robust prospects.
- 4,119
Uhl eiwl is an option
- 4,119
In all fairness Purdential does take a lot of those build issues on term.
I just took another look at the application. The height and weight question is in beneath this statement: For E Z Life Graded Benefit Plan, skip to Telephone Interview Section. For All Other Plans Complete Remainder of Application, so it does not have to be completed for EZ life.. 400 lb 5"1" 18 year olds can get it as long as they can answer no to these three questions:
1. Is any applicant currently hospitalized; in an assisted living, psychiatric, long-term care, nursing or correctional facility; receiving or been advised to receive home health care or hospice care?
2. Has any applicant tested positive for the exposure to the HIV infection or been diagnosed as having Acquired Immunodeficiency Syndrome (AIDS) or AIDS Related Complex (ARC) caused by the HIV infection or other sickness or condition derived from such infection?
3. In the past year, has any applicant used or been advised by a licensed medical provider: to use oxygen; to receive dialysis; to receive chemotherapy/radiation; to have or awaiting an organ or tissue transplant; been diagnosed by a licensed medical provider with Dementia, Alzheimer's; Congestive Heart Failure; Cirrhosis of the Liver; or any terminal illness (an illness that would be expected to cause death within 12 months)?
Similar threads
