Need Help with an HIV Couple

[timamr]

I need someone that can help a husband and wife that are both HIV positive, taking meds. Lives in Florida This is not my expertise. They have fixed income and on disability. Both are 43. They can afford around $100/month. Just looking for a $10k, $15k, or maybe a $20k policy on EACH of them. Can anyone help me out here? If so, can you give me the quote? Thanks!

 

[germanwine1]

Have not had a client with HIV/ARC as of yet.

The veterans agents can correct me if I am wrong but I think your best option
would be GI (Kemper/Vantis)

They will pay the entire death benefit after two years of the policy being in force.
If your clients die before the two years from anything other than an accident they will return the premium amounts and pay a percentage of the death benefit.

 

[HoosierLife]

Kemper and Columbian...

 

[Todd King]

Add Gerber to the list.

 

[jdeasy]

Add Gerber to the list.

Will Gerber write 43 year olds? How about Kemper and Columbian? MoO won't. They start at age 45. What about Vantis? What's their age?

 

[timamr]

Are any of you guys appointed with these carriers you mentioned, because I am not and don't plan on it. Was hoping to find another agent I could do business with and write an easy policy. A quote would be nice also. If anyone needs more info, let me know but I thought that would be enough.

 

[WinoBlues]

Will Gerber write 43 year olds? How about Kemper and Columbian? MoO won't. They start at age 45. What about Vantis? What's their age?

Columbian MDO starts at age 25 up to $10,000.00

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Are any of you guys appointed with these carriers you mentioned, because I am not and don't plan on it. Was hoping to find another agent I could do business with and write an easy policy. A quote would be nice also. If anyone needs more info, let me know but I thought that would be enough.

Send me your email and I will send you the MDO numbers. Not sure they are in FL. My email is below.

Lee

 

[Todd King]

Sorry, I didn't pay close attention to the age!

 

[HoosierLife]

Gerber starts at 50 I thought.

On a side note, I called Gerber today to change a draft date and was on hold for all of 3 seconds.

 

[TexasAgent]

Kemper is 40. Vantis is 50.