- 10,853
Transamerica is very generous on build as well (or they used to be as of a few years ago). I think my guy I placed with them was around 320. Trans is a PIA to work with though as an agent. lol
Term Insurance for Large Build
- Thread starter lifeinsurancenewbie
- Start date
Fully underwritten can/will take cases turned by FE companies every day. The FE premiums have a built in rating... most table 4. If the insured exceeds the built in rating then it is a decline. However, the fully underwritten plans can be rated as high as table 8 and with some companies even higher... Premium will be steep but they will issue coverage..
- 5,506
He does not have a large build. He is not on the heavy side. He is very severely obese by his bmi. Cmon man, get real.
- 5,984
Bacon diet. 30 days, nothing but bacon and water, and he'll have his choice of carriers. No sweetners, no sugars, no starches.
Just bacon and water.
- 10,853
Fully underwritten can/will take cases turned by FE companies every day. The FE premiums have a built in rating... most table 4. If the insured exceeds the built in rating then it is a decline. However, the fully underwritten plans can be rated as high as table 8 and with some companies even higher... Premium will be steep but they will issue coverage..
Excellent info Rous, thanks for sharing. If I had heard that before about FE only going to T4, I had forgotten.
When you stop and think about you can see how FE companies can be profitable even paying the commissions they pay. The UW is set at table 4 or above but they write a lot of folks who would not be rated or would be rated tables 1,2 or 3 at the table 4 rate.
Gotta add back in half the weight loss though...maybe 60 days.
Thomas Scialla
Expert
- 37
I used the keto diet to lose 118 pounds. I have have kept 100 of it off. The keto diet magic is real, but it takes a discipline that you have to experience to believe.
The carriers add half back. Not saying anything about the diet or keto.
