End Stage Renal Disease Life Insurance

Mar 30, 2016

  1. alexiashamalan
    Offline

    alexiashamalan New Member

    Posts:
    3
    Likes Received:
    0
    Is there any company I could get life insurance for a 35 year old male with end stage renal disease non smoker?
     
  2. goillini52
    Offline

    goillini52 MAGA...Eat More Bacon & BUILD THAT WALL!!!

    Posts:
    18,752
    Likes Received:
    5,007
    State:
    Illinois
    Columbian Life if they're available in your state. It's Guarantee Issue. If he dies from anything other than accident in the 1st 3 years, it returns the premium paid in plus 6% interest. After 3 years it pays the full face amount. If accidental death, it pays the full face amount from day one.

    What state and how much are you wanting? I'll give you a quote.
     
  3. alexiashamalan
    Offline

    alexiashamalan New Member

    Posts:
    3
    Likes Received:
    0
    Arkansas $10,000
     
  4. goillini52
    Offline

    goillini52 MAGA...Eat More Bacon & BUILD THAT WALL!!!

    Posts:
    18,752
    Likes Received:
    5,007
    State:
    Illinois
  5. alexiashamalan
    Offline

    alexiashamalan New Member

    Posts:
    3
    Likes Received:
    0
    Where do I apply for that
     
  6. goillini52
    Offline

    goillini52 MAGA...Eat More Bacon & BUILD THAT WALL!!!

    Posts:
    18,752
    Likes Received:
    5,007
    State:
    Illinois

    Are you an agent or looking for yourself?

    Either way: You can call 1.800.423.9765 or leave a comment on their website.

    http://www.cfglife.com/contact-us

    There are agents on here that represent them in Arkansas...maybe they'll see this and contact you. Good luck!
     
    Last edited: Mar 30, 2016
  7. SammyJ
    Offline

    SammyJ Guru

    Posts:
    384
    Likes Received:
    5
    State:
    Maine
    Incorrect. Columbian asks the agent to answer if the insured is Terminal. So if the agent is honest he can't write this.
     
    SammyJ, Mar 30, 2016
    #7
  8. goillini52
    Offline

    goillini52 MAGA...Eat More Bacon & BUILD THAT WALL!!!

    Posts:
    18,752
    Likes Received:
    5,007
    State:
    Illinois

    I didn't know that. I just knew they had a GI that goes to age 25. I don't know how they can call it GI if there are health questions.

    What if he's getting a kidney transplant?
     
  9. Iwillpay
    Offline

    Iwillpay Guru

    Posts:
    766
    Likes Received:
    19
    How do you get ESRD to be terminal? People have this and live for years.:yes:
     
  10. rousemark
    Offline

    rousemark Still Here!

    Posts:
    16,077
    Likes Received:
    3,499
    State:
    Tennessee
    The definition of "terminal" is if the insured has been told their death is expected to occur in the next 12 months.. Unless the PI has been advised by a doctor that this is the case, he would qualify for the GI... And, even if he has been told, unless he tells the agent that he would still qualify.. The question is not asked of the PI.. It is asked of the agent, "Do you have knowledge that the PI has diagnosed with a terminal condition?"
     
Loading...