69 Year Old with MS 100k Db

One of the leads I encountered just signed her father up for an AARP plan that is term and 100k.
Who else would take this term case since he is old and has MS?
Appreciate any help!

what he has now of course will end at age 80, and we will need to pay a much higher rate when he takes new coverage then. Equitable will write up to 100k simplified issue WL, I would sell him as much permanent coverage as he can afford. $50k permanent would be better than $100k term to 80, esp since the rate increases drastically when he enters his 70s. I have called AARP many times on speaker and had them run the rate at the renewing age bands. It is pretty revealing.

this is assuming he doesn't need it to cover a loan or something like that. Most of the time they just want to leave an inheritance which term coverage doesn't guarantee.
 
Thanks for replying jacob, I know Im not your favorite agent on here;-)
I already talked to her about that concern, she doesnt think he will live that long, but ty about the equitable si!
I gotta find something, she wont let me shop her multicar/home insurance until I finish this case.
 
Thanks for replying jacob, I know Im not your favorite agent on here;-)
I already talked to her about that concern, she doesnt think he will live that long, but ty about the equitable si!
I gotta find something, she wont let me shop her multicar/home insurance until I finish this case.

ANICO (American National) has a signature term product that would probably work for her. Not sure on the MS but it is simplified issue so I doubt that would be a dealbreaker. Their # is 8882901085 if you want to get more info. The commission is pretty good on on that product also.
 
ANICO (American National) has a signature term product that would probably work for her. Not sure on the MS but it is simplified issue so I doubt that would be a dealbreaker. Their # is 8882901085 if you want to get more info. The commission is pretty good on on that product also.

Jacob - ANICO's signature term is not simplified issue. There's no exam, but they will require an APS on her... and if there's any neurological impairment or recent attacks, they'll most likely decline.

EE - If the MS is mild or moderate and he's fully functional with infrequent attacks, he can qualify for a mid-high table rating with a traditional company if he's willing to take an exam. If it's no-exam term you're looking for, you'll probably have to go graded.
 
Guess I can throw that file out then!
How about GTL? Doubt it will go that high.
 
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Graded term? Never heard of that. Any ideas for graded term companies?

Here's 2 graded term options:

Fidelity Life's senior graded term product (3 year waiting period): Get quotes here: https://sec.fidelitylife.com/Quote/Quote.aspx

Guarantee Trust Life - run rates here: Guaranteed Issue Life Insurance - Product Information
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Was. I thought they discontinued that product last year.

They did, but replaced it with their "Rapid Decision Senior Term Life" this year.
 
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