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Healthy other than the weight issue. I need direction as to what company might consider this on a whole life plan for 500,000 to 1 million.
Thanks in advance for any help offered.
Thanks in advance for any help offered.
Age 47 Male, 6' 4" 360 Pounds
- Thread starter billberry12
- Start date
Obviously not going to be in the running for above standard rates but probably would work with several carriers. MTL Insurance, perhaps?
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Never heard of them
- 717
Prudential is a Table "C" based on that build.
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Get a free 30 day trial of NinjaQuoter. You would quickly see table ratings and rates based on that build. Enter the build, see results in 5 seconds.
Pru T3
Prot T5
NA T6
MoO T8
This is also available on our consumer facing quoters. Now you can show rated premiums to consumers that are over standard weight cutoffs...vs. showing them incorrect standard rates.
Pru T3
Prot T5
NA T6
MoO T8
This is also available on our consumer facing quoters. Now you can show rated premiums to consumers that are over standard weight cutoffs...vs. showing them incorrect standard rates.
They are Mutual Trust Life Insurance - now part of Pan-American Life Insurance Group. They have a pay to age 90 product w/ dividends and a single premium policy.
ANICO Table C (3); Transamerica and MofO have underwriting requirements that may be even more liberal, depending on their coverage banding. I have a client standing 6'0", 330 lbs. Wrote him standard through Trans, FV $350,000. Issued within a week of submission.
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danerlavigne
Expert
Make sure to ask the underwriters you are talking to if they ever give credits for desirable traits in other areas besides weight. For example, with mutual of omaha, they have a checklist where if the customer has enough "yes" answers it will take them from a table 4 to a table 2
