Final Expense for Obese Female in FLA

[senior-advisor-indiana]

If I were to guess what a final expense for an obese woman would be I would bet it would be a buffet of some sort.

 

[b61mack]

my guess as to why foresters is asking the question , so they can keep track of the claims....and change it in the future if need be...

 

[arnguy]

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

What is the "severe overweight" figure?

 

[floridagirl]

5'2" and 280

 

[VolAgent]

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.

Its easier to change underwriting policy than it is to change forms. Forms have to be filed with each state any time they are changed.

 

[arnguy]

5'2" and 280

OUCH!!!!!!

 

[floridagirl]

OUCH!!!!!!

And I gave her a 1/2 inch in this - she told me 5 1 1/2!

 

[VolAgent]

She's got to be as wide as she is tall.

 

[jacobtn]

Its easier to change underwriting policy than it is to change forms. Forms have to be filed with each state any time they are changed.

yep you got it.

I have submitted many apps to Foresters where the client was over 300 lbs. One was a 5'2" woman who I never saw wearing anything but a HUGE nightgown. Very troubling. Naturally she was on SS disability (55) and took over 100 units of insulin. She could barely walk and lived with her parents in Georgia, who I also wrote apps on.
Foresters decision engine granted her huge ass immediate level coverage. Gotta love it!

 

[HomeService]

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.

Yes, I have background with Columbian. You may have gotten them in the mix because they will do direct monthly, or cash payments? That's why I have them, anways. Also, their graded policy is fairly good. If you ever run into a need for it.