Best term life company?

Apr 19, 2019

  1. DHK
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    DHK "YOU CAN'T HANDLE THE TRUTH!"

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    To do proper field underwriting, I would be asking about:
    - Height & Weight
    - Any current medications and why
    - Any health issues over the past 10 years

    I'd say that it should be nearly impossible for a 47 year old to NOT have had any medical issues on their record in some form. That doesn't mean they would be uninsurable. It just means that they've been to the doctor for various reasons over the years.

    I'm 41. I've had Bell's Palsy when I was 29 (that's like a mini-stroke with minimal consequences) and I've had vertigo spells occasionally over the past few years - which led to an EKG, MRI brain scan, and a ultrasound on my neck about 6 months ago. Didn't find anything, but if a medical test was ordered and not completed, it would need to be completed before an underwriting decision could be made.

    Use this Ben Feldman phrase: "The insurance company wants to be sure you look as good on the inside as you do on the outside. The medical exam (or underwriting questions) helps them determine your longevity. I'm sure you'd like to know."
     
    DHK, Apr 19, 2019
    #11
  2. Jack46
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    Jack46 New Member

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    Thank you for providing some names. Don’t sell much LI. I have been contracted with a few of those companies in the past. I’m in Texas and might need a broker. Could also be a waste of time. I didn’t go over the health questions with the guy.
     
    Jack46, Apr 19, 2019
    #12
  3. BADTROUT
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    BADTROUT Guru

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    So true... there isn't a one size fits all... and SO many factors. @Jack46 I recommend you make the choice. The best way to learn is to learn. Its funny I love some carriers others hate... and vice versa.
     
  4. BADTROUT
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    BADTROUT Guru

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    Not my circus, not my clowns... just trying to illustrate a system of comparison is all.
     
  5. WinoBlues
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    WinoBlues Guru

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    Good attitude.

    Principle comes in about $46 for $200k

    Note:some companies band break at $250k

    Now,if he wants some coverage after 77 Protective custom UL looks good. ROP looks good Al's. Insurance with insurance.

    I like Lincoln also
     
  6. Jack46
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    Jack46 New Member

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    Even with the snarky comments, I appreciate the feedback. This is what the forum is for. Thank you!
     
    Jack46, Apr 19, 2019
    #16
  7. WinoBlues
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    WinoBlues Guru

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    Or could be a paid education that could pay you very well for years.

    Beware though they do not underwrite snarkyitous
     
  8. BADTROUT
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    BADTROUT Guru

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    [​IMG]
     
  9. WinoBlues
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    WinoBlues Guru

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  10. Life Hawk
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    Life Hawk Guru

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    On the FE forum snarky comments are part of the response package... the good news is that you don't have to pay extra.
     
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