Life Insurance for Someone Who is Paralyzed?

[undisclosed]

Tomorrow I am meeting with an orphan couple in their 60s. During the conversation I had with the wife while scheduling our appointment, she mentioned something about her husband having an injury and being paralyzed. At this point I don't have any details beyond that, but I'm wondering what sort of affect this might have on his ability to increase his insurance amount (which would require a paramedical exam).

I won't know if either of them want to or should increase their insurance amount until I learn more about their situation tomorrow, but I'd like to have at least a general idea of what sort of affect paralysis can have on underwriting in case it comes up during the meeting.

Thanks in advance for any responses!

 

[Fisher]

I won't know if either of them want to or should increase their insurance amount until I learn more about their situation tomorrow,

That's the key phrase right there, dude. No sense trippin' about paralysis yet.

 

[NinjaNic]

I had a client who was paralyzed from the waist down due to a car accident. After some work, we got him a policy with Transamerica at table 4. It turned out to be a great premium too because the guy ran a bunch on internet ecommerce sites and was making tons of money---$24k AP case.