65F, Insulin Diabetic, 25K, $100 Mo., Anything Less Out There???

[CALTCAgent]

Hello,,

Details:

65 F
$100 Mo., 25K DB (physicians mutual + UoO)
Insulin dependent Diabetic
HBP

Is there anything less out there?

Thanks!

 

[coloradoseniormarket]

Hello,,

Details:

65 F
$100 Mo., 25K DB (physicians mutual + UoO)
Insulin dependent Diabetic
HBP

Is there anything less out there?

Thanks!

when did they go on insulin?

 

[CALTCAgent]

when did they go on insulin?

1981 started oral meds
1983 Insulin started

 

[TwiLight]

Hello,,

Details:

65 F
$100 Mo., 25K DB (physicians mutual + UoO)
Insulin dependent Diabetic
HBP

Is there anything less out there?

Thanks!

Forester, Monumental and Americo are $100.50 to $101.29/mo.

Americo is your best bet as they do not ask about insulin on the app. Just complications.

Monumental would be my next choice, depending on dosage and age of onset, the may get the preferred rate.

Foresters is iffy these days. They used to be pretty good prior to the 7/30/2012 underwriting changes..

GPM Life has good rate at 94.50. Just never wrote them and I know a few forum members write them. If they would chime in I would like to know also.

 

[inreverse]

GPM depends on how many units he takes a day.

 

[SportsNut]

How old are the existing policies, and do they have any cash value currently...?

Seems as though the alternatives do not improve her position, unless she happens to have a few grand of c/v in those policies that could be returned to her... while maintaining the same amt of face of ins and the same premium. Even SAI could make that sale...

 

[CALTCAgent]

Units of Insulin:

Total=65 average

35 am
30 pm
- - - - - - - - - - - - - - - - - -

How old are the existing policies, and do they have any cash value currently...?

I don't know yet as I have only talked to her on the phone.

They are only 2 years old though, so I doubt much cash value?

 

[torri]

GPM Life good up to 80 units.

 

[CALTCAgent]

Who is good for compensation/contracting with GPM Life?

Thanks!

 

[jdeasy]

Hello,,

Details:

65 F
$100 Mo., 25K DB (physicians mutual + UoO)
Insulin dependent Diabetic
HBP

Is there anything less out there?

Thanks!

The PM is most likely a term policy.. The UoO is a two year ROP but you said she has had it for two years.

Assuming that the UoO is for $10,000 she is paying $42/mo fo that. Leaving $58/mo for the PM of $15000. That is most definately the term. No way would they or could they sell her $15000 of whole life for $58/mo.

Maybe leave the UoO alone and replace the PM? That's the direction I would look.