Guaranteed Issue

[polarbear99]

Good morning everyone,

Have a client HIV positive. Female 49 dob 6/9/1973, non smoking, Florida. I had her with Great Western with a 12k policy, about $56 monthly, but her policy lapsed and wondering at this point which other carriers offer guaranteed issue for age 49 though she will be 50 in June and will have more options.

 

[Lewis_FL]

you know several major carriers offer fully underwritten products now for HIV+. very stringent requirements of course and will be rated.

 

[Tahoe Ray]

Good morning everyone,

Have a client HIV positive. Female 49 dob 6/9/1973, non smoking, Florida. I had her with Great Western with a 12k policy, about $56 monthly, but her policy lapsed and wondering at this point which other carriers offer guaranteed issue for age 49 though she will be 50 in June and will have more options.

Post this in the final expense forum and you'll get some responses.

If anyone else finds this post...Last time I checked Guardian, Prudential, and John Hancock all had programs for HIV positive individuals (fully underwritten).

 

[WinoBlues]

Good morning everyone,

Have a client HIV positive. Female 49 dob 6/9/1973, non smoking, Florida. I had her with Great Western with a 12k policy, about $56 monthly, but her policy lapsed and wondering at this point which other carriers offer guaranteed issue for age 49 though she will be 50 in June and will have more

How long ago did it lapse?
Can it be reinstalled?
Will Great Western allow you to rewrite it?
If so do you get paid?
Other health criteria?

As Ray said postcit in the FE forum.

 

[NewbieNewbie]

There are some companies issuing HIV cases fully UW. My experience is they must be air tight. No criminal history, no drug or alcohol history, perfect adherence to doctors recommendation. Not really for your typical fe client though I am sure there are exceptions.

 

[suranceman]

Looks like there are a few carriers who can write her a GI policy.

Found a good list here: [EXTERNAL LINK] - Guaranteed Issue Life Insurance (Best Plans, Pros & Cons)

 

[Tahoe Ray]

Looks like there are a few carriers who can write her a GI policy.

Found a good list here: [EXTERNAL LINK] - Guaranteed Issue Life Insurance (Best Plans, Pros & Cons)

That site owner posts here. Great resource.

 

[suranceman]

That site owner posts here. Great resource.

Agreed. I go there often to look up all sorts of things. I have no idea how they keep their site up to date. There's so much on there.

 

[WinoBlues]

Agreed. I go there often to look up all sorts of things. I have no idea how they keep their site up to date. There's so much on there.

Unicorns have magic powers.

 

[polarbear99]

Yes it totally lapsed and have to submit a new application. Thanks for your response!