State Farm Final Expense

[SportsNut]

Anyone familiar with the u/w for a State Farm FE policy?

I am talking to a prospect who has gotten a FE quote from State Farm and the rate is decent; but very beatable if one had decent health. However this chap does not have decent health, insulin dep diabetic, and has COPD while still being a smoker. Uses inhaler and nebulizer, etc.

Does anyone know how St Farm FE would underwrite insulin 20 units, COPD & smoker for M age 70...? Their quote is for $ 115.xx mo, which matches their website quote but it does not go into u/w details. Do they have a graded and/or modified plan too, and if so, what would that do to the rate?

 

[VolAgent]

Since when does State Farm offer FE? I thought it was just a whole life policy. Also, I seem to recall they are a very strict underwriter. I can't see them touching this guy.

Will anyone give first day coverage to a smoker with COPD?

 

[jdeasy]

Anyone familiar with the u/w for a State Farm FE policy?

I am talking to a prospect who has gotten a FE quote from State Farm and the rate is decent; but very beatable if one had decent health. However this chap does not have decent health, insulin dep diabetic, and has COPD while still being a smoker. Uses inhaler and nebulizer, etc.

Does anyone know how St Farm FE would underwrite insulin 20 units, COPD & smoker for M age 70...? Their quote is for $ 115.xx mo, which matches their website quote but it does not go into u/w details. Do they have a graded and/or modified plan too, and if so, what would that do to the rate?

Very strict underwriting. This guy won't fly with them. I have a friend that's a State Farm agent. he sends me the "tough" cases that they won't take.

He calls "tough" a type II diabetic with hypertension.

 

[HoosierLife]

Since when does State Farm offer FE? I thought it was just a whole life policy. Also, I seem to recall they are a very strict underwriter. I can't see them touching this guy.

Will anyone give first day coverage to a smoker with COPD?

Mon?.........................

 

[RAMBLER AND A GAMBLER]

Since when does State Farm offer FE? I thought it was just a whole life policy. Also, I seem to recall they are a very strict underwriter. I can't see them touching this guy.

Will anyone give first day coverage to a smoker with COPD?

I hope Monumental does i just wrote one 2hrs ago with them

 

[jdeasy]

I hope Monumental does i just wrote one 2hrs ago with them

They will at the standard rate as long as no oxygen prescribed.

 

[gordon112]

Since when does State Farm offer FE? I thought it was just a whole life policy. Also, I seem to recall they are a very strict underwriter. I can't see them touching this guy.

Will anyone give first day coverage to a smoker with COPD?

Monumental comes to mind, hard to think State Farm is doing FE simplified issue now.

 

[Rearden]

Odds are this State Farm goof doesn't know how to deal with severely impaired risks like this one...

 

[SportsNut]

Very strict underwriting. This guy won't fly with them. I have a friend that's a State Farm agent. he sends me the "tough" cases that they won't take.

He calls "tough" a type II diabetic with hypertension.

JD... who would you place this guy with?

M70 Smkr, 20 iu insulin daily, COPD, nebulizer and inhaler used daily, HBP and chol meds. Other than that he is in great shape.

 

[HoosierLife]

Does the nebulizer count as oxygen?