Low Term Vs WL

[TPAAgent]

I dont get why every insurance company will give a 25k WL policy to a person on insulin but wont do it on a simplified 15 year term

The risk is much greater for the WL vs the term client

Anyone got the skinny on a term 15 product for 25-50k with a person on insulin?

 

[WinoBlues]

I dont get why every insurance company will give a 25k WL policy to a person on insulin but wont do it on a simplified 15 year term

The risk is much greater for the WL vs the term client

Anyone got the skinny on a term 15 product for 25-50k with a person on insulin?

Does it have to be 15 year? UHL comes to mind on 20 year. Sagicor has revamped their ZZ term not sure about insulin though. 15 yr term is getting harder to find in general. Same for 30 year.

 

[richas27]

What state are you in?

 

[TPAAgent]

Nevermind...

TransAmerica Trendsetter and Trans Term <- (soon to get the nuthook) is a nonmed up to 100k and will take insulin at table B

Thanks anyways

 

[Mattschmidt]

I dont get why every insurance company will give a 25k WL policy to a person on insulin but wont do it on a simplified 15 year term

The risk is much greater for the WL vs the term client

Anyone got the skinny on a term 15 product for 25-50k with a person on insulin?

possibly transamerica, but they will probably rate around table 4-6

 

[WinoBlues]

Nevermind...

TransAmerica Trendsetter and Trans Term <- (soon to get the nuthook) is a nonmed up to 100k and will take insulin at table B

Thanks anyways

That is pretty aggressive. Update us after you get it issued.