Term life for 65 yo

[BrianLeising]

No exam ages 50-69 if the client has had a routine physical with full blood profile in the last 18 months, up to 1M. Still fully underwritten but no exam.

 

[WinoBlues]

No exam ages 50-69 if the client has had a routine physical with full blood profile in the last 18 months, up to 1M. Still fully underwritten but no exam.

Thanks
Do they routinely APS?

 

[BrianLeising]

I'm sure if there was a major medical condition they would request one.

 

[Tahoe Ray]

Thanks
Do they routinely APS?

I've done a few and they have APS'd each one.