Guaranteed Issue Under Age 45

[dominiquecohen]

Looking for whole life, male age 42. Previous history of mitral and aorta valve replacement. High blood pressure treated with medication, smoker. Wanting guaranteed premiums $10-$50K policy. Every company I have approached says he is not old enough? Any recommendations?

 

[WinoBlues]

Looking for whole life, male age 42. Previous history of mitral and aorta valve replacement. High blood pressure treated with medication, smoker. Wanting guaranteed premiums $10-$50K policy. Every company I have approached says he is not old enough? Any recommendations?

Are you an agent or a consumer?

United Heritage goes down to age 40 with their "mostly" guaranteed, 2 years modified. His history, he should fit. Depending on how far back maybe, graded. Modified = Max $15,000

Lee

 

[EB34]

If the cardiovascular surgery was more than two years ago, many companies will offer him standard issue whole life.
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At the risk of getting blasted on here, Lincoln Heritage would probably offer him up to 20k standard final expense.

 

[tins]

If the cardiovascular surgery was more than two years ago, many companies will offer him standard issue whole life.
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At the risk of getting blasted on here, Lincoln Heritage would probably offer him up to 20k standard final expense.

Rabble Rabble Rabble!!!

 

[Josh]

Presidential will take him on their GBL product. PM or e-mail me if you want more info and a contact.

 

[theinsuranceman]

Senior Life Easy Issue ages 0-85...only 2 health questions (Aids/HIV or confined to a nursing facility /incarcerated, hospice, terminally ill).

In NC we have a TRUE guarantee issue with ZERO health questions ages 0-85.

Any agents that need this contract contact me...252-292-3350....Greg.

 

[ChicagoProducer]

Looking for whole life, male age 42. Previous history of mitral and aorta valve replacement. High blood pressure treated with medication, smoker. Wanting guaranteed premiums $10-$50K policy. Every company I have approached says he is not old enough? Any recommendations?

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I have a true GI product, best for ages 25-49 (although it goes up to age 75).

Your prospect: $10k max=$42.98/mo w/ 2 yr graded @6% interest; I can get you 50% commish with 6mos advanced; (advancing is rare on GI products!)

I know Presidential writes up to $50,000 however at super high premiums.

Just my two cents...Good luck.

 

[WinoBlues]

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I have a true GI product, best for ages 25-49 (although it goes up to age 75).

Your prospect: $10k max=$42.98/mo w/ 2 yr graded @6% interest; I can get you 50% commish with 6mos advanced; (advancing is rare on GI products!)

I know Presidential writes up to $50,000 however at super high premiums.

Just my two cents...Good luck.

What company?

 

[Josh]

What company?

Ditto.

Also, Presidential rates are high, but considering what they're willing to insure, I wouldn't consider them "super high".

 

[Todd King]

Of course we'll never know what company would be the better fit until the OP comes back and tells us some date lines on the clients medical history.