Final Expense for 47-49 Year Old?

[jdeasy]

I guarantee you a. 50-year old son living with his mother is on disability. Either a hurt back or bi-polar.

I've come in on these a million times. You want simplified issue. Not just non-med.

That's good point that we all missed. Spot on! I have alos seen this many times.

If he ain't on disabilty and still with momma maybe he should be?

 

[VolAgent]

I guarantee you a. 50-year old son living with his mother is on disability. Either a hurt back or bi-polar.

I've come in on these a million times. You want simplified issue. Not just non-med.

Bingo. You want to quote low rates or get policies issued?

I can't tell you how many 50 year olds who own their own business who would be lucky to even get a table rated offer.

If someone tells you they are in good health, yet they don't own any life insurance and they are interested in buying, keep asking questions. Their health usually isn't anywhere near as good as they want you to think.

 

[moonlightandmargaritas]

Their health usually isn't anywhere near as good as they want you to think.

"My health is great! Since I beat that cancer last year, I feel like a million bucks."

 

[RonRoberts]

I guarantee you a. 50-year old son living with his mother is on disability. Either a hurt back or bi-polar.

I've come in on these a million times. You want simplified issue. Not just non-med.

So when do you quote non-med versus simplified issue?

 

[AllGold]

or $25,000 non med ROP 30 yr term with reduced paid up of $14,075 at age 79 $26.51. Both include ABR

Is this a good time and place to have a conversation about convertibility and what companies are good for that?

I'm obviously not a real veteran in the life insurance field but RPU on a ROP term never even occurred to me. I'm intrigued.

 

[Newby]

So when do you quote non-med versus simplified issue?

After you ask health questions. But 50-year old males living with mom are ALWAYS on disability. Or trying to get disability.

It's always back pain or mental issues.

 

[WinoBlues]

I guarantee you a. 50-year old son living with his mother is on disability. Either a hurt back or bi-polar.

I've come in on these a million times. You want simplified issue. Not just non-med.

Ah man! What a buzz kill. You are correct of course. Add to that the low commission.