How would you handle this case
- Thread starter Allines
- Start date
- 7,012
At 84, add on a Trans policy or more Americo. I dont know how you'd replace without RPUing at that age anyway. Their health good?
- Thread starter
- #3
- 7,012
I would explain the contestability period and show them just adding on OR RPUing.
Let them choose.
Let them choose.
- 1,819
idk man, i'm not going to replace an 84 yr old regardless of how healthy they say they are. Now if i saw the dr's records and stuff maybe.....
I don't think even saving them 20 to 30 bucks a month would even be worth it. at 84 your day could be any day.
I don't think even saving them 20 to 30 bucks a month would even be worth it. at 84 your day could be any day.
Agreed, the other thing is even if she was healthy, the company will contest regardless which will hold up the amount of time it'll take for their family to get the death benefit. Chances are they don't have 10k laying around and may need that money a lot sooner than later.
- 5,947
How do they plan on going? In a "can" or in a "box"? What is the additional for in their mind? What caused them to want more? What is their income? (That's what I would ask them.)
Replacement... You might or might not get Vegas odds on replacement. I wouldn't gamble at those odds though.
- 5,947
