- 3,345
Know of a gal with this condition, declined by big name term company for life insurance. Any life carrier (not graded life ) potentially underwrite this?
Life Company Underwrite Syringomyelia?
- Thread starter HealthGuy
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- 170
If it's a definite diagnosis, minimal or moderate symptoms, no more than slow progression it starts at a T-8. Anything other than that is a decline.
Your best bet is to find a company that has a product that goes beyon a T-8 rate. Many cut off at T-8, but a few products out there will go as high as T-16. $$$.
Your best bet is to find a company that has a product that goes beyon a T-8 rate. Many cut off at T-8, but a few products out there will go as high as T-16. $$$.
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- #3
- 3,345
Thank you Monkey. Can you please throw up here a company or two that underwrites above a T-8 rate ? Thanks.
- 170
Current products on the market... my knowledge is pretty limited to recent companies I've worked for or consulted to, and I know of none. I do know Life Investors (AEGON Group, Cedar Rapids IA) once had several T-16 products, as did Western Reserve Life, and SYMETRA Financial would work with reinsurers on large face amounts to pull a T-10 or T-12 back to T-8. (I think it was very premium driven and it it $$$ made sense.)
Unless others here, who are probably much better tapped into the substandard market, know of companies, you may have to fire up the phone and call around asking Sales and Marketing Depts. Good luck!
Unless others here, who are probably much better tapped into the substandard market, know of companies, you may have to fire up the phone and call around asking Sales and Marketing Depts. Good luck!
