Height and Weight

[HoosierLife]

I was going to start a thread on this topic tonight because I ran in to a whole lot of Rosie today.Seriously her name was Rose and she is a 44 year old smoker who is 5'4 and 310 pounds.I haven't written a Monumental under age 50 since they changed the application and was surprised by the Height and Weight question because Monumental has always been my go to company for the fluffy clients.

Good health except on disability because of arthritis and uses an inhaler occasionally for asthma looking for 25,000 which in Florida was 64.00.with Monumental Any suggestions?

Settlers silver FTW............

 

[jdeasy]

48 female non smoker 5ft7in 250 what would rate be for rna jd? And is it fully underwritten?

It's fully underwritten but no paramed unless you get a large face amount. In her case it would have to be $100,000 before an exam would be required.

It is a $25,000 minimum though. I would guess a table 2 or 3. Standard would be $36/mo for $25000. Table 4 is $45/mo. So expect somewhere between $36 and $45/mo.

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Settlers silver FTW............

If they have other problems besides build then I would also go with Settlers Silver.

 

[rousemark]

Good thing to keep in mind is Settlers Silver goes down to age 0 with no HT/WT chart. Since so many kids are obese these days that could come in handy.

 

[smokin goose]

It's fully underwritten but no paramed unless you get a large face amount. In her case it would have to be $100,000 before an exam would be required.

It is a $25,000 minimum though. I would guess a table 2 or 3. Standard would be $36/mo for $25000. Table 4 is $45/mo. So expect somewhere between $36 and $45/mo.

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If they have other problems besides build then I would also go with Settlers Silver.

If there's no paramed then what would be the difference in that and simplified issue?

 

[rousemark]

If there's no paramed then what would be the difference in that and simplified issue?

The questions are more detailed and they look at things that are not considered on an SI.. For example they may look back for 10 years or more on things like heart and cancer history instead of two.

 

[jdeasy]

If there's no paramed then what would be the difference in that and simplified issue?

Best answered by looking at the two applications side by side. The EL is far more detailed.

I didn't see Rouse's answer when I was posting. What he said!

 

[WinoBlues]

It's fully underwritten but no paramed unless you get a large face amount. In her case it would have to be $100,000 before an exam would be required.

It is a $25,000 minimum though. I would guess a table 2 or 3. Standard would be $36/mo for $25000. Table 4 is $45/mo. So expect somewhere between $36 and $45/mo.

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If they have other problems besides build then I would also go with Settlers Silver.

Std v tbl4 seems lite. Looks like a good deal. How do they figure their tables? Most are 25% per table.

 

[jdeasy]

Std v tbl4 seems lite. Looks like a good deal. How do they figure their tables? Most are 25% per table.

I have no idea as to how they figure them. I just put in the info on the quoter and they give me the numbers.