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Have a 5 year old with an insulin pump (diabetes diagnosed age 2) riding 10k on a 50k term policy out of contestability.
Policy owner wants to ditch the term for WL but does not want dich it unless she can either.....
1.Get CWL for the 5 year old.
2.Take out WL and add the 5 year old as a rider.
Rider has been declined by LBL due to insulin pump.
I don't write riders or much CHL.
What's the best way to put this one together ?
Policy owner wants to ditch the term for WL but does not want dich it unless she can either.....
1.Get CWL for the 5 year old.
2.Take out WL and add the 5 year old as a rider.
Rider has been declined by LBL due to insulin pump.
I don't write riders or much CHL.
What's the best way to put this one together ?