SI Term for F 46yo with Diabetes and Uses Insulin

[Tennesseehorn]

I need a SI product that will take a diabetic using insulin. She is about 5'7" and 180lbs. Americo won't take her due to insulin therefore she will be table rated to at least 4 in an under written product. Any suggestions would be appreciated. Looking at a small $50-75k policy.

Thanks

 

[Mattschmidt]

I need a SI product that will take a diabetic using insulin. She is about 5'7" and 180lbs. Americo won't take her due to insulin therefore she will be table rated to at least 4 in an under written product. Any suggestions would be appreciated. Looking at a small $50-75k policy.

Thanks

Don't think you'll find a simplified issue policy for her...

But as far as her getting a table rating of 4 or higher, that's not true.

Depending on the diabetic history, and other medical history, I have gotten my clients Table 2 using fully underwritten companies.

 

[Tennesseehorn]

Don't think you'll find a simplified issue policy for her...

But as far as her getting a table rating of 4 or higher, that's not true.

Depending on the diabetic history, and other medical history, I have gotten my clients Table 2 using fully underwritten companies.

OK I will check into that.

Thanks

 

[JRoot]

If she hasn't been declined in 2 years then United Home Life Express Issue Term Deluxe will take her. Immediate benefit, but has to be a 20 year term (they don't have anything lower).

 

[Jerard]

If she hasn't been declined in 2 years then United Home Life Express Issue Term Deluxe will take her. Immediate benefit, but has to be a 20 year term (they don't have anything lower).

I can't remember how the old term apps read but the new ones here in FL don't have different qualifying levels. Any 'yes' answer on the app knocks them out of any UHL term.