Does ANYONE Have a Place for This Client?

[TDFnCali]

1 of my 1st sales from today would like a larger term policy for her 33yr daughter, right now its with MoO for $55/mo for $18k. But the PROBLEM is her daughter is very overweight (Id say obese) & has CHF, uses oxygen to sleep & is diabetic (was on dialysis, now on oral meds). My upline said try a Whole life with Monu, cause term is probably out the question....but because she would have to answer YES to 2 questions in part II of Monu's app, shes a no-go!!

She cant afford to go up in pmt....so anything out there?? Cant use UHL, they dont go below 45 in Calif.!!

?????

 

[WinoBlues]

1 of my 1st sales from today would like a larger term policy for her 33yr daughter, right now its with MoO for $55/mo for $18k. But the PROBLEM is her daughter is very overweight (Id say obese) & has CHF, uses oxygen to sleep & is diabetic (was on dialysis, now on oral meds). My upline said try a Whole life with Monu, cause term is probably out the question....but because she would have to answer YES to 2 questions in part II of Monu's app, shes a no-go!!

She cant afford to go up in pmt....so anything out there?? Cant use UHL, they dont go below 45 in Calif.!!

?????

As I am reading im thinking Fidelity (need to check app) but price is going to be an issue. With that premium Vs face amount plus her age. Check if it is std. There may be a conversion opportunity there.
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