- 6,134
6'2 male 320lbs
Non smoker
Gastric bypass in 2013
No medicine
250k term
Best price
Non smoker
Gastric bypass in 2013
No medicine
250k term
Best price
Quote
- Thread starter bboman23
- Start date
- 15,041
Post-pone.
I would be absolutely shocked if anyone touched him with a gastric bypass this year. They are going to want to wait for him to settle on a new weight.
I would be absolutely shocked if anyone touched him with a gastric bypass this year. They are going to want to wait for him to settle on a new weight.
- Thread starter
- #3
- 6,134
Ok I wasn't sure. My cousin texted me asking for a quote for this so I was asking for him. Wasn't sure if he could get anything.
- 26,177
- 15,041
After a year you will have some options. The thing is, they are going to add in half the weight he lost to determine his height and weight for the rating. So he could still be table rated next year.
- 26,177
I have had some good results with UHL's term. But not at $250,000.
How old is this guy and when was the surgery?
How old is this guy and when was the surgery?
- Thread starter
- #7
- 6,134
37 years old sorry.......
- 15,041
Would he even fit their height and weight chart?
- Thread starter
- #9
- 6,134
Surgery in march 2013
He would fit Assurity Non Med 350 at a Tbl 6. 6'2" up to 326 lbs.
250K 10 yr term - 62.26; 15 yr term 76.56; 20 yr term - 90.42 mo.
They would surely APS since he had recent surgery. I would discuss with u/w in advance and know his weight at the time of surgery, loss since surg, etc. since he close to the max limit now.
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How much weight has he lost since the surgery...? And he weighs 320 NOW... correct...?
Most cos will give 1/2 credit for weight loss, meaning they will want to add back one half of any weight loss of less than 1 yr. This may push him over Assuirty max of 326 lbs. I would discuss with u/w, as mentioned earlier.
There is always Monu / TA FE up to 50K; no Ht - Wt question if all other health related issues pass. $ 95 mo. Also Assurity SIWL goes to 50K and up to 345 lbs on ht - wt for him, at 84.92 mo. Sagicor is another SIWL that goes to 50K at his age at 67.92 mo but not familiar with their u/w guidelines.
250K 10 yr term - 62.26; 15 yr term 76.56; 20 yr term - 90.42 mo.
They would surely APS since he had recent surgery. I would discuss with u/w in advance and know his weight at the time of surgery, loss since surg, etc. since he close to the max limit now.
- - - - - - - - - - - - - - - - - -
How much weight has he lost since the surgery...? And he weighs 320 NOW... correct...?
Most cos will give 1/2 credit for weight loss, meaning they will want to add back one half of any weight loss of less than 1 yr. This may push him over Assuirty max of 326 lbs. I would discuss with u/w, as mentioned earlier.
There is always Monu / TA FE up to 50K; no Ht - Wt question if all other health related issues pass. $ 95 mo. Also Assurity SIWL goes to 50K and up to 345 lbs on ht - wt for him, at 84.92 mo. Sagicor is another SIWL that goes to 50K at his age at 67.92 mo but not familiar with their u/w guidelines.
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