- 3,165
Ran into a couple that had 3 Globe Life policies....wife, hubby & son. Explained the whole thing about an increasing term policy vs WL, they were sold...kinda!
The hubby wants to change his & the son's....no problem for the hubby, but they only have a direct express...where can I place a 30yr smoker with that accepts DE?
But the wife, a smoker like hubby, was diagnosed with cirrhosis within the last yr & recently was put on nitroglyciren <sp> for eithe Angina or CHF in the last few mos. So if she changes, most likely its to an ROP (shes going to confirm with DR exact diagnoses, she wasnt sure). So, what would u recommend for a person who has a term policy in place, but wont be able to afford the next pay increase (4yrs), but will have to go on a ROP WL if she switches??
Thx
PS- Anyone else using Foresters more since the RNA debacle, I am...running into several 50-60yr olds.
The hubby wants to change his & the son's....no problem for the hubby, but they only have a direct express...where can I place a 30yr smoker with that accepts DE?
But the wife, a smoker like hubby, was diagnosed with cirrhosis within the last yr & recently was put on nitroglyciren <sp> for eithe Angina or CHF in the last few mos. So if she changes, most likely its to an ROP (shes going to confirm with DR exact diagnoses, she wasnt sure). So, what would u recommend for a person who has a term policy in place, but wont be able to afford the next pay increase (4yrs), but will have to go on a ROP WL if she switches??
Thx
PS- Anyone else using Foresters more since the RNA debacle, I am...running into several 50-60yr olds.
