Tony T
Expert
- 74
I need a company with a guaranteed issue product that is available below the age of 45...Any suggestions?
Guaranteed Issue Below Age 50
- Thread starter Tony T
- Start date
- 19,648
Call the President, he'll take at age 40. Or, LH's modified. It's almost GI.
- 15,319
What kind of product are you asking about?
Life, Medicare, Zero Premium Life...
Rick
Life, Medicare, Zero Premium Life...
Rick
- Thread starter
- #4
Tony T
Expert
- 74
I recently had requests from parents of a 35 year old who was uninsurable due to medical history for life insurance...Told them the only option would be some type of guaranteed issue...My understanding is that the companies who issue guaranteed issue (Americo, Presidential) do not write at that young of an age...
- 19,648
- 17,073
Settlers Bronze will take him provided that you write 8-healthy people for every 2-critically ill ones.
ForeThought Select will take him in most states.
They also can go to a funeral home and get policies through Monumental, ForeThought, Homesteaders, Lincoln Heritage, Cincinnati Equitable, NGL, and others that are all fully guaranteed issue and most have 70% coverage at the 12th month for everyone.
ForeThought Select will take him in most states.
They also can go to a funeral home and get policies through Monumental, ForeThought, Homesteaders, Lincoln Heritage, Cincinnati Equitable, NGL, and others that are all fully guaranteed issue and most have 70% coverage at the 12th month for everyone.
- Thread starter
- #8
Tony T
Expert
- 74
Thanks for all the responses...I've been in this business 25+ years and, it's great to have a place to go for info...
After 25 years, you should have automatically know where and not where to take this.
