56yr Old Female Type II Insulin Diabetic, Currently on Dialysis

[term2u]

I have a client who is looking for a $30k policy (term or whole life) and I have included most of her information below. I primarily work in the fully underwritten market, and I'm not too familiar with final expense, so any ideas/help would be appreciated!

Is this one even worth chasing? Here are the details:

- 56yr old female, 4'8" 109lbs
- Type II diabetic since age 32
- Currently takes insulin - 12cc (think she may have meant units?) 3 times per day
- Currently on dialysis 3 times/wk, has been on dialysis for 1yr
- No tobacco

Looking for $30k in death benefit and trying to keep her premium $100 per month or less.

Thanks!

 

[bboman23]

SNL graded might work. ...didn't check height and weight. 25k for around 86.00

 

[goillini52]

I have a client who is looking for a $30k policy (term or whole life) and I have included most of her information below. I primarily work in the fully underwritten market, and I'm not too familiar with final expense, so any ideas/help would be appreciated!

Is this one even worth chasing? Here are the details:

- 56yr old female, 4'8" 109lbs
- Type II diabetic since age 32
- Currently takes insulin - 12cc (think she may have meant units?) 3 times per day
- Currently on dialysis 3 times/wk, has been on dialysis for 1yr
- No tobacco

Looking for $30k in death benefit and trying to keep her premium $100 per month or less.

Thanks!

KSKJ Modified/Graded(1st year 110% ROP*2nd year 40%*3rd year 100%). $25K for $78.58 MBD.

 

[Iwillpay]

I have a client who is looking for a $30k policy (term or whole life) and I have included most of her information below. I primarily work in the fully underwritten market, and I'm not too familiar with final expense, so any ideas/help would be appreciated!

Is this one even worth chasing? Here are the details:

- 56yr old female, 4'8" 109lbs
- Type II diabetic since age 32
- Currently takes insulin - 12cc (think she may have meant units?) 3 times per day
- Currently on dialysis 3 times/wk, has been on dialysis for 1yr
- No tobacco

Looking for $30k in death benefit and trying to keep her premium $100 per month or less.

Thanks!

For commissions, Gerber 25K, GreatWestern 30K,
No Comp MoO 25K

 

[jdeasy]

I have a client who is looking for a $30k policy (term or whole life) and I have included most of her information below. I primarily work in the fully underwritten market, and I'm not too familiar with final expense, so any ideas/help would be appreciated!

Is this one even worth chasing? Here are the details:

- 56yr old female, 4'8" 109lbs
- Type II diabetic since age 32
- Currently takes insulin - 12cc (think she may have meant units?) 3 times per day
- Currently on dialysis 3 times/wk, has been on dialysis for 1yr
- No tobacco

Looking for $30k in death benefit and trying to keep her premium $100 per month or less.

Thanks!

I can't imagine a better deal for her than KSKJ. And they are available in Ca.

 

[term2u]

KSKJ Modified/Graded(1st year 110% ROP*2nd year 40%*3rd year 100%). $25K for $78.58 MBD.

Thanks for the info - I've never heard of KSKJ (probably because I never work with final expense), so I'll have to check them out. Would Gerber also be another good option?

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For commissions, Gerber 25K, GreatWestern 30K,
No Comp MoO 25K

Why, would MoO not pay any comp or something?

 

[goillini52]

Thanks for the info - I've never heard of KSKJ (probably because I never work with final expense), so I'll have to check them out. Would Gerber also be another good option?

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Why, would MoO not pay any comp or something?

Kranjsko Slovenska Katoliska Jednota is a Fraternal. You can only sell to baptized Christians. Gerber's an option, but why give them a GI ROP policy when you can give them graded and make 100% with renewals compared to 60% with no renewals.

MOFO doesn't pay commissions, because agents can't sell it, they just give people at death's door the phone # so they can call and take it out over the phone. Some agents won't write GI.

 

[WinoBlues]

Thanks for the info - I've never heard of KSKJ (probably because I never work with final expense), so I'll have to check them out. Would Gerber also be another good option?

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Why, would MoO not pay any comp or something?

You can contract with them direct as well. I do not know if IMOs can give you a better deal or not.

 

[inreverse]

KSKJ is not offering contracts anymore, FEX wiped out their capacity for new business. They had nothing good to say about them last year, now they are sweet hearts

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KSKJ is not offering contracts anymore, FEX wiped out their capacity for new business. They had nothing good to say about them last year, now they are sweet hearts! I guess getting some of your policies replaced gets your attention.

 

[Iwillpay]

KSKJ is not offering contracts anymore, FEX wiped out their capacity for new business. They had nothing good to say about them last year, now they are sweet hearts

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KSKJ is not offering contracts anymore, FEX wiped out their capacity for new business. They had nothing good to say about them last year, now they are sweet hearts! I guess getting some of your policies replaced gets your attention.

You are brave to make a statement like this.
This is not monkey business.