Guaranteed Issue?

Jul 24, 2015

  1. SouthernComfort
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    SouthernComfort Guru

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    COPD, emphysema, bypass 12 months ago. Sagicor? (63 year old male, ht/wt in normal ranges). Whole Life/Universal, will spend up to 20k/year.

    Who will take this guy?
     
  2. HowdyDoody
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    HowdyDoody Super Genius

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    Might be a few options in FE besides GI. Is he on oxygen? Does he smoke? What meds?
     
  3. sirherbie
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    sirherbie Guru

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    Lol. Sagicor is for preferred clients. Maybe a few carriers will do graded for 1-2 yrs of heart surgery. You can pretty much forget anything with immediate benefit till he hits 2 yrs then you can write him a few fe policy's . The copd knocks him out for level with most fe carriers.
     
  4. Rearden
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    Rearden Guru

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    United Heritage Graded will do it with full comp.
     
    Rearden, Jul 24, 2015
    #4
  5. WinoBlues
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    WinoBlues Guru

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    What face amount? At that premium I assume you are talking about fully underwritten. Send all the information to a brokerage underwriter for guidance.
     
  6. Mattschmidt
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    Mattschmidt Guru

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    There's 2 different association. Plans where he'd qualify for up to 150k if employeed and working 20 hrs a week.

    That's best case scenario
     
    Last edited: Jul 30, 2015
  7. SDCLife88
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    SDCLife88 Expert

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    Plenty of options, but we have no info... reply OP!!!
     
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