Cerebral Palsy

[TeaJay33]

I am looking for a good carrier for one of my agents who has a client with cerebral palsy. The client is 29/m. Most of my guaranteed issue products start at 40 or 50. Anyone have any good ideas on where place to put this client? Thanks in advance!

 

[InsuranceMonkey]

Re: Cerabal Palsy

Is he wheelchair bound? If not, he may be as low as a T-4 on a fully underwritten product. CP has a large window of rates based on severity before it gets to decline. T-4 atage 29 may still have a fairly acceptable COI per/1000.

 

[TeaJay33]

Re: Cerabal Palsy

Is he wheelchair bound? If not, he may be as low as a T-4 on a fully underwritten product. CP has a large window of rates based on severity before it gets to decline. T-4 atage 29 may still have a fairly acceptable COI per/1000.

he is not in a wheelchair.

what carrier would you suggest to try with?

 

[blemer]

If they are not wheel chair bound, look at Assurity Life

 

[JGold814]

Are there any mental capacity issues involved with the condition? Does someone have to provide constant care for him? You gotta make sure he can sign for himself and understand what it is he's signing.