Looking for FE or term of approximately $25k for 60 yo female, no health issues or meds, non-tob - only severely overweight - any suggestions? Thanks
Final Expense for Obese Female in FLA
- Thread starter floridagirl
- Start date
- 19,608
RNA, Foresters, AmCon and Monumental are 4 that come to mind right away that don't ask build. Well, Foresters and AmCon have you put ht/wt on the app, but, they don't rate for it.
RNA doesn't even ask. She could get $25000 with them for $79/mo.
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- #3
With RNA, is that immediate benefit?
I am waiting on an answer from Coulmbian - I am thinking I can do $25k for $83.98 immediate benefit. I have never written with Columbian before but have had them in the mix and could not remember why I wanted them and I still don't think this is the reason. Just got confirmation with Columbian I can write her.
Anyone have any background with Columbian?
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FYI, there is not ht or wt place to fill in on Columbian. Question asks if female and over 300, will not qualify and male over 350. There are other med questions but my lady will have no problems answering those.
I am waiting on an answer from Coulmbian - I am thinking I can do $25k for $83.98 immediate benefit. I have never written with Columbian before but have had them in the mix and could not remember why I wanted them and I still don't think this is the reason. Just got confirmation with Columbian I can write her.
Anyone have any background with Columbian?
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FYI, there is not ht or wt place to fill in on Columbian. Question asks if female and over 300, will not qualify and male over 350. There are other med questions but my lady will have no problems answering those.
Last edited:
- 19,608
That's immediate benefit with RNA. Plus she would have the RNA fraternal benefits which are great, in my opinion.
As for the Columbian Life, yes, as long as she is not over the 300 lbs, they will insure her.
- Thread starter
- #5
Thanks for the help. I will go with Columbian since I am not appointed with RNA but will look into them.
- 2,452
Foresters is less than that at $75
- 19,608
I didn't even look at the Foresters rate. Doesn't matter. She decied to go with the Columbian anyway. It's higher than both Foresters and RNA, but, she already has them.
- Thread starter
- #8
Thanks for the input and I definately learned something with this.
I am going with Foresters at $79.?? for $25k + $25k AD which is lower than Columbian. I didn't realize Foresters did not take into consideration build even though they have it on the app.
I am going with Foresters at $79.?? for $25k + $25k AD which is lower than Columbian. I didn't realize Foresters did not take into consideration build even though they have it on the app.
"Foresters is not underwriting height and weight, so there are no build charts for you to reference. Even
though build is not taken into account in the underwriting, we ask that you complete the Height and
Weight question."though build is not taken into account in the underwriting, we ask that you complete the Height and
- 4,716
I find it very hard to believe that Foresters does not take Ht and Wt in to account when they ask for it on the app.
I mean if they didn't take it into account why not remove the question from the app. Something is wrong with this picture.
Someone turn in an app on a person that weighs 500 lbs. and see what happens.
I mean if they didn't take it into account why not remove the question from the app. Something is wrong with this picture.
Someone turn in an app on a person that weighs 500 lbs. and see what happens.
- 11,997
Other carriers have the same policy and ask the same questions.
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