Difficult cases for Fully Underwritten WL

[bill3173]

I have a couple that are/were candidates for larger face amounts whole life. They've been turned down by Ameritas, which has been my go to carrier for tough cases. Can't go into detail, but they've both had a string of health problems, however, no stand alone problems that would cause an underwriting decline. They are a little unusual in that regard.

Just spitballing here, but if you know of a fully underwritten carrier that is taking tough cases right now, I'd love to hear it. A table rating will be fine, they just want the policies.

 

[Tahoe Ray]

I have a couple that are/were candidates for larger face amounts whole life. They've been turned down by Ameritas, which has been my go to carrier for tough cases. Can't go into detail, but they've both had a string of health problems, however, no stand alone problems that would cause an underwriting decline. They are a little unusual in that regard.

Just spitballing here, but if you know of a fully underwritten carrier that is taking tough cases right now, I'd love to hear it. A table rating will be fine, they just want the policies.

Do they specifically want WL or just permanent coverage?

Protective and Pru are both really good with underwriting difficult cases and offer GUL.

 

[scagnt83]

Guardian. They will shop the big 4 reinsurers for you if they cant retain it internally.