Life Underwriter
Expert
- 27
I have a 44 year old insulin-dependent client with hypertension what will be the best a whole life company or term company tp write him with, thanks
The grammar is so poor, I'm not sure where to start, but I'll give it a go.
If the hypertension is controlled, there would be no rating for that (on meds or not).
Regarding the Diabetes, one would need to know:
1. Type (I or II).
2. How long the person has had it.
3. Diabetes Control (Current A1c Level).
With that information, assuming there is no cardiac history, one can get a pretty good idea of what the rating will be.
Amount of medication to control diabetes isn't relevant. What is relevant is how well controlled it is.
Sincerely,