CHF and Term

[NotEnough]

Hi,

Are there any carriers who will insure a 61 year old smoker with CHF? He is still working and seems quite healthy. Contractor for over 30 years.

Also, what carrier for FE would accept him as well? He needs a good amount of coverage for his dependents but is on a tight budget so we can't go all permanent. Any advice would appreciated, thanks!

 

[billyb]

GI

 

[goillini52]

Hi,

Are there any carriers who will insure a 61 year old smoker with CHF? He is still working and seems quite healthy. Contractor for over 30 years.

Also, what carrier for FE would accept him as well? He needs a good amount of coverage for his dependents but is on a tight budget so we can't go all permanent. Any advice would appreciated, thanks!

Congestive Heart Failure: ACI(Graded), Bankers Fidelity(Graded), GWIC(Level if no problems or change in medication or dosage in last 2 years)

 

[fed up]

CHF and still smokes. Gotta love him

 

[suranceman]

The fact that the OP said "he seems quite healthy" is mind blowing. This is an agent saying this.

Do you realize what CHF is? Nobody with CHF can be "quite healthy". The average life expectancy of someone diagnosed with CHF is about 10 years. It's the most serious heart condition you can have.

And this guy still smokes. He won't make it another 3 years most likely.

 

[NotEnough]

The fact that the OP said "he seems quite healthy" is mind blowing. This is an agent saying this.

Do you realize what CHF is? Nobody with CHF can be "quite healthy". The average life expectancy of someone diagnosed with CHF is about 10 years. It's the most serious heart condition you can have.

And this guy still smokes. He won't make it another 3 years most likely.

So what part of your reply contains a recommended company, as requested in my post?

 

[Todd King]

Great Western might work, depending on if the meds have changed in the past 2 years. If they have not, then it will be level death benefit. '

If he can't get day 1 coverage with GW, then you would have to go with a company that has a GI policy, such as AIG or Gerber.

 

[suranceman]

So what part of your reply contains a recommended company, as requested in my post?

I didn't make a recommendation because other's already have.

I was just pointing out how insane it is that a life insurance agent used the words you did when describing a person with CHF.

 

[goillini52]

I didn't make a recommendation because other's already have.

I was just pointing out how insane it is that a life insurance agent used the words you did when describing a person with CHF.

I have stage 4 COPD and I'm quite healthy.

I credit bacon for this.

 

[RichJ]

I have stage 4 COPD and I'm quite healthy.

I credit bacon for this.

We all know everything is better with Bacon.

But are you telling me Bacon makes ANYTHING better?

If so, I need to add that to my paramedic repertoire of treatments!