Guaranteed Issue
- Thread starter Melo5457
- Start date
- 24,964
My pick would be United Home Life, If they can answer a couple of questions then add SNL Graded or Limited, UHL Express issue Whole Life. Some of the FE guys can give you more.
What is the health history that you think GI is required?
- Thread starter
- #4
If he can answer no to these questions and do a short phone interview he would qualify for a graded plan that pays .35%/70%/100% death benefit..
1. Is the proposed insured currently hospitalized, in an assisted-living, psychiatric, long-term care, nursing or correctional facility; receiving or been advised to receive home health or hospice care?
2. Has the proposed insured tested positive for the exposure to the HIV infection or been diagnosed as having Acquired Immunodeficiency Syndrome (AIDS) or AIDS Related Complex (ARC) caused by the HIV infection or other sickness or condition derived from such infection?
3. In the past year, has the proposed insured used or been advised by a licensed medical provider: to use oxygen, to receive dialysis; to receive chemotherapy/radiation; to have or awaiting an organ or tissue transplant, or been diagnosed by a licensed medical provider with Dementia, Alzheimer’s; Congestive Heart Failure; Cirrhosis of the Liver; or any
terminal illness(an illness that would be expected to cause death within 12 months)?
List Current Medications
Even if you cannot use this plan for this case, you might want to pick up the company for future use... National Security Life... Home Office in Elba, Alabama.. Good folks.
- Thread starter
- #6
