Help! Term case help-70, m, insulin, Gabapentin, 3 bp meds

[Turbo3.8]

I am trying to place this individual and have no idea where to go. He is looking for term only.
Here are the complete details:
73,m,ns, diabetes w/insulin(3x per day), AIC of 7.5
Gapapentin
3 bp meds(bp under control)
good height and weight
no other health issues

ANY IDEAS? TIA

 

[veronica17]

Due to his A1C being elevated he would more than likely be table rated. He would be looking at a premium of about $600/mo for a 10 year term

 

[sunny1ib]

I’m sorry-may I which state he is in?

 

[TwiLight]

You have insulin diabetes, elevated A1C with complications (Gabapentin, indicating neuropathy), add to the fact you have 3 BP meds. Risk is a table 6 minimum, most likely a table 8-12.

Most Term Carriers will decline the case because of 3HBP meds and insulin/Gabapentin with elevated A1C Any Way. Most likely will have a decline in the past 2 years also because this person is not realistic asking for Term Ins.

Look to a minimum Funded UL to last 10 years. Ask the client if they can afford a Standard rate x3 (table ratings). If not, don't waste your time. GIWL will be the best rate for them.

Skipper

 

[fed up]

And how much DB is this person looking for?

 

[Baseball7]

Royal neighbor's, family benefit, or kskj final expense.

 

[billyb]

Term will be so highly rated so a FE policy may be less expensive.

 

[Todd King]

GI term with Protection Plus Life....Guaranteed Issue - 5 Year Renewable – Convertible - Modified Term Life Insurance - Renewable to Age 80 – Modified Death Benefit During First Two Years
$135.24 for 10K
$236.88 for 20K
$338.32 for 30K
$440.16 for 40K
$541.80 for 50K