Neuropathy Day 1 Coverage

Discussion in 'Final Expense Forum' started by randallcunn12, Aug 10, 2017.

  1. randallcunn12
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    randallcunn12 Member

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    Besides Royal will anyone do a level on a 54 year old female-20k-sc with insulin and neuropathy ? She got a quote from Lincoln at $70 a month but will they offer day one coverage and level rate and death benefit for the rest of her life ? If so will just tell her to go there but would like to capture the sale....thx
     
  2. jdeasy
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    jdeasy Well-Known Member

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    KSKJ life for sure. Probably Trinity. Cinn Eq is out because of diabetic complications. Maybe americo and equitable?

    I'm sure there's others.
     
  3. randallcunn12
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    randallcunn12 Member

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  4. jdeasy
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    jdeasy Well-Known Member

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    What state? I may not be licensed there.
     
  5. suranceman
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    suranceman Well-Known Member

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    American Home Life will offer them day one coverage. 20K=$54.28

    Fyi, Linocoln heritage is day one coverage for Neuropathy.

    I'm in SC so I can write it if you want.
     
  6. Broker4Ever
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    Broker4Ever Well-Known Member

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    Transamerica day 1 coverage .
    20k is $52.50 per month.
     
  7. dabulls
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    dabulls Well-Known Member

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    I am in SC and GA. But Oxford will probably be about your best price. $46 for 20k. If she is comfortable woth $70 Oxford gets you 30k for $68. Transamerica will be lower than Lincoln Heritage but still high. When ever you hear LH is your competition, that is like Christmas!

    ----------

    Insulin is Standard with TA so it is $67...
     
  8. suranceman
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    suranceman Well-Known Member

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    How would a neuropathy patient not be on insulin? Insulin usage is asked about in section C4, so wouldn't it be standard which would cost $67.50?
     
  9. Broker4Ever
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    Broker4Ever Well-Known Member

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    Correct, didn't see the insulin part. My bad.
     
  10. dabulls
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    dabulls Well-Known Member

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    I've had clients on only metformin or januvia (no insulin)with neuropathy.
     
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