I ran into a 73 year old male non tobacco with high blood pressure cholesterol and non insulin diabetes. no other complications and no other issues. he is paying 141/month for $50,000 10 year term with AM AM willing to switch if I could beat it. I tried him with assurity but they tabled him. any other options that I could try?
replacing AM AM
- Thread starter deeznuts
- Start date
- 1,410
How's his A1C & Blood Sugar?
If good, I would submit him fully underwritten with Lincoln Financial or North American. My mother in law is 66 and she got Preferred Plus with NA (fully underwritten). Also, one of my buddies got his older client in his 60s Preferred Plus & he has diabetes.
What's nice about Lincoln though is their living benefits. They have no cost LTC rider & Critical Illness rider. They tend to be more lenient with seniors as well.
Let us know what happens!
If good, I would submit him fully underwritten with Lincoln Financial or North American. My mother in law is 66 and she got Preferred Plus with NA (fully underwritten). Also, one of my buddies got his older client in his 60s Preferred Plus & he has diabetes.
What's nice about Lincoln though is their living benefits. They have no cost LTC rider & Critical Illness rider. They tend to be more lenient with seniors as well.
Let us know what happens!
- Thread starter
- #3
- 3,987
Why term????
- Thread starter
- #5
- 3,987
Why are you selling him more term.
- Thread starter
- #7
- 3,987
Ok, why are you selling him any term at all.
- Thread starter
- #9
- 3,764
Lincoln financial and North American offer coverage at $50K ?
And Preferred is best case scenario with North American , for applicant with diabetes diagnosed after age 50. Not Preferred Plus.
