Customer Wants BIG UL Policy, who Can Do?

[Scotty1980]

49
f
n/s
krohns disease(hospitalized about 3 months ago for about .5
week).
asthma(used inhaler maybe 2x per year)

meds-coumadin to prevent blood clots(been on for 10+ years, no heart issues etc.), 1 bp med, methimazole(for fast acting thyroid)

Sagicor won't do just trying to get her the coverage.
I am in Massachusetts so do not have access to a lot of carriers most agents do.

Customer want 200k-400k of permanent protection.
Ok who can do this?

 

[///MJay]

Are you asking for help writing the case? Or asking for carrier recommendations?

 

[Scotty1980]

Carriers that can do in Massachusetts.

 

[///MJay]

Who do you have now? Chrons is all over the map table rate wise. What is the build?

 

[Scotty1980]

5'1"-180 lbs

I would add a carrier just for her. Just have no idea where to go.

 

[///MJay]

Who is your BGA? I would start with them. Get all the details you can get ahold of for the Chrons. That is your biggest issue of the items listed. The recent hospitalization is not your friend either.

 

[jboussea]

hospitalized 3 months ago... I think that's a decline / postponed.. it they get a high table rating . then IUL might not be the best product for him..

edit: unless they don't see the .5 week as a serious hopitalization..

what meds is the person on>

 

[dgoldenz]

Probably Prudential...