Over 85 for Final Expense

How much do the person want? If it's really small 5K and under, the premium might be really high and it's just better for them to put it in a bank account. It's probably not worth it for them and don't forget the 2 year of con testability that MIGHT be use if the person dies in the first 2 years..... Anyway, that's what I've always attacked the over 85 YO that wants a small policy. By doing that, you might be able to get their spouse or their children. for a referral which is always the case for me....
 
Transamerica will issue underwritten life insurance up to age 89 I believe. Would take about 6 or 7 years to pay up the death benefit and no graded coverage period. Not going to get any less expensive than that on a cost per thousand basis. Of course, it would be tough for someone that old to qualify in the first place.
 
The problem is most people that age want to give you 20 cent on a dollar and you turn it into a dollar within about 4 years..
 
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