Male 66 years old
Applied for:
Just one policy would be OK, but both would be better (would make wife's situation easier).
However, he has elevated PSA level at 6.12. No major health issues, although cholesterol is a little high.
Carrier is declining/postponing until he gets a full prostate work-up done, including a biopsy.
He was a tentative table 2 rating. So, even if he was approved, he was only going to get one of the policies due to the higher premium.
Carrier is AIG.
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However, what are your thoughts...
1) Is there another carrier that would have more lenient underwriting for this scenario?
2) Let's say he does the full work-up and he's denied. Then what? Apply with another carrier?
3) FE face amounts are low. Up to $50,000 I believe; most not even that. I haven't done FE. I'm assuming he would qualify due to simplified underwriting. However, he would need more than $50,000. Can you have more than 1 FE policy, from different carriers?
Applied for:
10 year term - $400K
15 year term - $400K
15 year term - $400K
Just one policy would be OK, but both would be better (would make wife's situation easier).
However, he has elevated PSA level at 6.12. No major health issues, although cholesterol is a little high.
Carrier is declining/postponing until he gets a full prostate work-up done, including a biopsy.
He was a tentative table 2 rating. So, even if he was approved, he was only going to get one of the policies due to the higher premium.
Carrier is AIG.
-------------
However, what are your thoughts...
1) Is there another carrier that would have more lenient underwriting for this scenario?
2) Let's say he does the full work-up and he's denied. Then what? Apply with another carrier?
3) FE face amounts are low. Up to $50,000 I believe; most not even that. I haven't done FE. I'm assuming he would qualify due to simplified underwriting. However, he would need more than $50,000. Can you have more than 1 FE policy, from different carriers?