Male Age 56, 5' 6" 278#s Diabetic +

[WinoBlues]

Assurity might give you level. They don't care about insulin as long as no heart attacks/strokes.
The neuropathy might be an issue, they look back 12 months. I don't know if they are alright with maintence drugs.

Thanks, I picked up the Monumental app this afternoon. I guess I'll see.

Bummer to have to go back. But yesterday I was dropping off a policy anyway. And picked it up on my way back from another meeting today.

Appreciate the help guys.

 

[jacobtn]

Foresters rates are competitive, but with no height/weight restrictions, I'd opp for Monumental and get 1st benefit coverage in this particular case. Beware of possible phone interview if he didn't fully disclose all meds and something comes up on the pharmacy report.

Foresters would give 1st day coverage, lower rate than Monumental with no surprise PHI. Not much to think about.

 

[nfl72]

I worked in the field on Wed and Thursday and wrote a few policies. It seems like Foresters is higher than Americo and Genworth now. Especially with smoker rates.

 

[lsalmans]

you're exactly right. . Foresters is now really just middle of pack. Their still good on people age 50-75 that are Non-smkr. but they lengthened their PHI. along with their customer service, they are becoming more difficult to justify using.