Age 47 Male, 6' 4" 360 Pounds

Aug 5, 2016

  1. billberry12
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    billberry12 Guru

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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.
     
  2. FRJ
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    FRJ Super Genius

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    Obviously not going to be in the running for above standard rates but probably would work with several carriers. MTL Insurance, perhaps?

     
    FRJ, Aug 5, 2016
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  3. AboutThatLife
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    AboutThatLife Guru

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    Never heard of them
     
  4. tlmarketing
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    tlmarketing Guru

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    Prudential is a Table "C" based on that build.
     
  5. NinjaNic
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    NinjaNic Guru

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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.
     
  6. FRJ
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    FRJ Super Genius

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    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.
     
    FRJ, Aug 6, 2016
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  7. 1963
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    1963 Super Genius

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    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.
     
    Last edited: Aug 6, 2016
    1963, Aug 6, 2016
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  8. danerlavigne
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    danerlavigne Expert

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    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
     
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