Stumped: 30yo with Mental Retardation and Diabetes

[Tennesseehorn]

I am totally stumped by this situation I came across on Friday:

I have a 30yo female with mental retardation but is functioning pretty well knows what life insurance is etc. Her Mom has POA. However, she was diagnosed with diabetes at 11yo and has been on 40 units of insulin since. Settlers won't take her at Bronze due to age (<40) and TA won't take her with immediate solution because in the underwriting section insulin use before 29 is a decline.

In another thread I saw where Columbia Life may. Anything else?

Thanks

 

[Gooner]

Security national has a product, not the FE plan. Pm John Galt or Tommy Overton, I think it might be a fit..

 

[Tennesseehorn]

Security national has a product, not the FE plan. Pm John Galt or Tommy Overton, I think it might be a fit..

Thanks I'll look into that.

 

[KenoKat88]

I am totally stumped by this situation I came across on Friday:

I have a 30yo female with mental retardation but is functioning pretty well knows what life insurance is etc. Her Mom has POA. However, she was diagnosed with diabetes at 11yo and has been on 40 units of insulin since. Settlers won't take her at Bronze due to age (<40) and TA won't take her with immediate solution because in the underwriting section insulin use before 29 is a decline.

In another thread I saw where Columbia Life may. Anything else?

Thanks

I just recently got contracted with Assurity. Insulin diabetes would make her graded.

 

[Tennesseehorn]

I just recently got contracted with Assurity. Insulin diabetes would make her graded.

Being under 50 with MR and diabetes diagnosed at 11?

 

[KenoKat88]

Being under 50 with MR and diabetes diagnosed at 11?

I believe so, just checked underwriting guidelines.

Mental retardation
no coverage for not being able to do ADL's
no coverage for over 18 and not able to do interview.

I hate to say it, but she would be FE with LH. Mother would have to be owner because of POA.

 

[bboman23]

I just recently got contracted with Assurity. Insulin diabetes would make her graded.

Diabetics aren't graded with assurity

 

[Tennesseehorn]

Diabetics aren't graded with assurity

Even diagnosed under 40 plus insulin and mental retardation?

I have submitted contracting papers with Assurity a few weeks back but haven't heard anything yet. That'll be great if I can get her that type of coverage.

 

[bboman23]

Even diagnosed under 40 plus insulin and mental retardation?

I have submitted contracting papers with Assurity a few weeks back but haven't heard anything yet. That'll be great if I can get her that type of coverage.

Diabetics are good with assurity unless combined with heart problems

 

[Tennesseehorn]

Diabetics are good with assurity unless combined with heart problems

Well that sounds great! Thanks. I'll need to call my upline to see where my contracting is at.