Looking for a GI Product w/Issue Age less than 35. Does one exist ?

Apr 29, 2008

  1. Agent4Life
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    Hi...

    I'm looking for a guaranteed issue product with a starting issue age of less than 35. Most of the GI companies I'm contracted with start at age 40. Does anyone know of one ?

    Thanks in advance for your help !
     
  2. HomeService
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    While not guaranteed issue, the graded product at Fidelity Life Association may start at age 20 I believe, how young do you need to go?
     
  3. Agent4Life
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    Hi......and thanks for responding.

    O.K. I have someone 34 with Hodgkins (Male, non-smoker, no other health conditions).

    This is the husband and father of a family of 4 who I had contacted during the latter part of last year. Unfortunately they decided to wait, and now that the husband has been diagnosed with hodgkins - the wife is frantically trying to secure some life insurance for them.

    Any suggestions ?
     
  4. HomeService
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    Western Southern has a GI { graded} through a brokerage deal in Fla. It is quite high on the premium. But if that's all he can qualify for. Graded may be his only choice.
     
  5. Newby
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    I can give you the Forethought Encore product if you are in Indiana, Kentucky, Tennessee, Ohio, Michigan or Florida.
     
    Newby, Apr 29, 2008
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  6. Agent4Life
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    Thanks, but I write in Virginia, West Virginia, North Carolina, South Carolina and Maryland.

    This particular client is in Virginia though.
     
  7. HomeService
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    I have a Columbian Mutual GI { Binghamton NY} brochure here, says issue age 25-75.
     
  8. Newby
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    I don't go there.

    If you can't find anything else, you can work with a funeral home to write a pre-need policy. They will likely use Forethought, Homesteaders or Monumental and can take him guaranteed issue at any age.
     
    Newby, Apr 29, 2008
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  9. theinuranceguy
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    I can get you that forethought contract, I am licensed in those states.
     
  10. DanBran
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    Yes I can refer Ramiz as a great one to work with and an excellant contract on Forthought
     
    DanBran, Jul 3, 2008
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