Help with Two Life Cases

[simpsonian]

I have two life cases I need help with. The first is a 54 year old male non smoker for a little over one year, he is on high blood pressure meds, and cholesterol meds, (both under control), height is 6'-0" and weight is 205#. He had a stint placed in his ankle about three years ago. Foresters will write him with a possible rating of plus #150, anyone know of someone I can send this thru with little or no rating for this client?

I also was wondering if there is a company that does not rate tobacco chewing and dipping as a form of tobacco.

Thanks for your help!

 

[Norwayguy]

I also was wondering if there is a company that does not rate tobacco chewing and dipping as a form of tobacco.

Thanks for your help!

Pru is one company that will write Standard NT on nicotene users that don't smoke cigerattes.

 

[scagnt83]

Im sure that someone will correct me if im wrong, but I think that ohio national only cares about cigarettes, not smokeless tobacco.

 

[dgoldenz]

Lincoln offers standard NS rates for cigars/dipping, Prudential offers standard plus NS rates. On case #1, I'd shop it with 10-15 companies to see if any will give him a standard or better risk class. You never know until you ask.

 

[BNTRS]

For #1 Is this a term or perm case? Many will table shave if it's perm insurance.

For #2 I'd look at the carriers mentioned.

 

[insuranceexec]

For #1 Is this a term or perm case? Many will table shave if it's perm insurance.

For #2 I'd look at the carriers mentioned.

What companies are you referring to with resepct to table shaving?

I know of Aviva, North American, and Lincoln. Any more?

 

[dgoldenz]

LBL has a table-shave-like program that isn't a true table shave.

 

[BNTRS]

The Hartford and John Hancock did a year ago when I looked at them for a case, The Guardian does, and Massmutual has an unofficial table shave program

 

[pdoyle]

Most table shave programs are not available for cases with CAD issues. Omaha has a crediting program that may work for term though

Pru will write standard plus for tobacco use.

 

[simpsonian]

Case #1 is a term ,and I am getting a quote from pru now, thanks for that.

Case #2 is a u/l. Here is the skinny on case #2. See if anyone can help me. He is 62 years old, stopped chewing tobacco 6 months ago. 5'-10" and weighs 280#, has been on Coumadin for 10 years a blood clot in his leg, (do not know cause of blood clot), also is on narvasc and accupril for high blood pressure. He is wanting $50,000 in whole life or u/l. Any ideas? Are there any final expense companies that will go up to $50,000?