Final Expense - Guaranteed Issue Age 47

[JGold814]

I have a client, male, age 47, on dialysis for renal failure as well as numerous medications for diabetes (including insulin) , BP, Chol, and thyroid.

Due to the dialysis use, his only available option for coverage is a guaranteed issue policy. The only one I know of is $5k-$10k of GIWL coverage with United Home Life as they go down to age 45 - all of the other Guaranteed Issue programs I know of have a minimum age of 50.

He's looking for a total of $50k of coverage (and may have to buy a couple of policies to meet his total). Does anyone know of any other carriesr that can write a GIWL policy at age 47?

Thanks for your help in advance!

 

[marketing]

I have a client, male, age 47, on dialysis for renal failure as well as numerous medications for diabetes (including insulin) , BP, Chol, and thyroid.

Due to the dialysis use, his only available option for coverage is a guaranteed issue policy. The only one I know of is $5k-$10k of GIWL coverage with United Home Life as they go down to age 45 - all of the other Guaranteed Issue programs I know of have a minimum age of 50.

He's looking for a total of $50k of coverage (and may have to buy a couple of policies to meet his total). Does anyone know of any other carriesr that can write a GIWL policy at age 47?

Thanks for your help in advance!

GLEANER LIFE INSURANCE maybe a fit; goes down do age 40/$25k...pm for more information....sagicor has something this month as well

 

[360]

I have a client, male, age 47, on dialysis for renal failure as well as numerous medications for diabetes (including insulin) , BP, Chol, and thyroid.

Due to the dialysis use, his only available option for coverage is a guaranteed issue policy. The only one I know of is $5k-$10k of GIWL coverage with United Home Life as they go down to age 45 - all of the other Guaranteed Issue programs I know of have a minimum age of 50.

He's looking for a total of $50k of coverage (and may have to buy a couple of policies to meet his total). Does anyone know of any other carriesr that can write a GIWL policy at age 47?

Thanks for your help in advance!

Kemper depending on what state client is in. Let me know if you need a contract. 25k with them will be $127.42/mo.

 

[JGold814]

Kemper depending on what state client is in. Let me know if you need a contract. 25k with them will be $127.42/mo.

@360 - can you send me a PM with the details? Does Kemper require face-to-face apps?

@Marketing - Does Gleaner require face-to-face apps?

I'm in Virginia. The client is in North Carolina. I can only do either non face-to-face apps. If both Kemper and Gleaner require face-to-face, then I would need another agent to help write it and would be willing to split the commission.

Please PM me with the details for both companies.

 

[theinsuranceman]

@360 - can you send me a PM with the details? Does Kemper require face-to-face apps?

@Marketing - Does Gleaner require face-to-face apps?

I'm in Virginia. The client is in North Carolina. I can only do either non face-to-face apps. If both Kemper and Gleaner require face-to-face, then I would need another agent to help write it and would be willing to split the commission.

Please PM me with the details for both companies.

I live in Raleigh, NC and would be glad to help. Call me 252-292-3350 anytime...Greg. I am also equipped to do tele-sales or face 2 face sales.

 

[nfl72]

sounds like a huge chargeback waiting to happen

 

[jdeasy]

I have a client, male, age 47, on dialysis for renal failure as well as numerous medications for diabetes (including insulin) , BP, Chol, and thyroid.

Due to the dialysis use, his only available option for coverage is a guaranteed issue policy. The only one I know of is $5k-$10k of GIWL coverage with United Home Life as they go down to age 45 - all of the other Guaranteed Issue programs I know of have a minimum age of 50.

He's looking for a total of $50k of coverage (and may have to buy a couple of policies to meet his total). Does anyone know of any other carriesr that can write a GIWL policy at age 47?

Thanks for your help in advance!

Call up MoO and get $20,000. You can stack some of the others mentioned here to get to the $50,000. Presidential will go the whole $50,000. Gotta do it before the end of this month.

 

[JGold814]

I saw Presidential is suspending all Life Insurance sales after Jan 31

 

[jdeasy]

I saw Presidential is suspending all Life Insurance sales after Jan 31

Yep. That's why I said it had to be done before the end of this month if they want to use the President.