eersfan
Super Genius
- 200
I'll second Tahoe Ray's recommendation.
Need help finding carrier for overweight prospect
- Thread starter NotEnough
- Start date
eersfan
Super Genius
- 200
Pru has been my go-to carrier as well, but did have a case a few years ago where they declined due to weight...6'2" 435lbs. Ended up going with Petersen for 2 years until his weight came down to 275 and was stable for 1 year, then went back to Pru and got standard.
- Thread starter
- #14
- Thread starter
- #15
Thank you for the recommendations! Any tips on where I can get contracted to write Pru/Hancock? My current IMO doesn't offer it
eersfan
Super Genius
- 200
cpsinsurance.com
Earlier you said, "Parents are looking for something just to cover his FE needs if something were to happen." You also said that THEY were okay with Term. Did you explain to them that wanting something for burial needs is a permanent problem and that Term is a temporary solution? Sure, he might be able to convert it down the road, but at what cost?
- Thread starter
- #19
Yes I have. The father was a former Primerica agent so he is heavily into term. The original plan is to get some form of coverage on him since he is still dependent on the parents. Once he is finished with schooling and whatever else, they can transfer the policy to him for him to make his own decisions.
I informed them from the get go that approval odds for their son is quite tough with a term product is quite tough but we'll give it a try. I advised against it since FE cost is a permanent issue but after 2 hours with the client, I decided any coverage is better than no coverage.
Robert Weathers
New Member
- 3
Royal neighbors of america doesn't ask about weight either.
