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high blood pres,diabetes wants quick coverage without all the questions,looking for about 100k
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high blood pres,diabetes wants quick coverage without all the questions,looking for about 100k
omarialassane
New Member
I'm relatively new to the game myself but I do know that someone looking for a 100k in whole life that is older and has health issues better be prepared to pay a huge premium. Most likely won't get through underwriting.
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Is the HBP controlled?
Is the DM controlled? Insulin or oral meds? Age of onset? Do you know the A1c?
I assume permanent? Several options.
Never mind, just saw the "without all the questions,". I do not think anything out side of GI is going to fit that bill.
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WHAT ABOUT simple issue f/e?
Still going to ask questions. And going to cost him a fortune.
If I have a client like that I show him the cost of 4 GI policies. With no coverage for 2 years. Then I show them a Protective or Sagicor GUL. Then ask them which they want.
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SOMETHING to think about
He has no insurance now and suddenly wants $100,000 no questions asked coverage??? Get a premium commitment before you spin your wheels.
That is the big question. How much are they willing to spend per month? Some people want all kinds of coverage until they find out the cost.
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about $120. per month. is that a good number?
Not for what he is asking for.
Tell him what he is going to do and he does it or have him call you when he is ready. Offer him one of the FE plans without a PHI and document the hell out of your file.
On the other hand if the "no questions" part is more you than him get a little more training.
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