Term Question

[TDFnCali]

Your best bet is probably to just get a feel for which carriers offer it. SI is going to be more expensive than fully underwritten. I really like Assurity for those cases, but there are others. If the guy is really worried about price, SI isn't the way to go. If the guy really wants SI, then it isn't really about price. On a term policy like this it's going to be super cheap anyway.

Problem is, going fully underwritten the guy wont pass the ht/wt requirements for most.

Are there any FU policies that would allow him to be 6ft, 235lbs?? I doubt it!

 

[STIBROKER]

Are there any FU policies that would allow him to be 6ft, 235lbs?? I doubt it!

yes.....he is in the guide line,,,,,

 

[Josh]

Problem is, going fully underwritten the guy wont pass the ht/wt requirements for most.

Are there any FU policies that would allow him to be 6ft, 235lbs?? I doubt it!

Probably nearly all will. Not necessarily at preferred rates, but that's not too bad.

 

[TDFnCali]

Probably nearly all will. Not necessarily at preferred rates, but that's not too bad.

Yeah i meant to say, he wouldnt qualify for Preferred of super or whateva that carrier calls it with his ht/wt....and he'd rather pay a few bucks extra & not go thru all that if all he can get is Standard on a FU policy.

 

[STIBROKER]

Yeah i meant to say, he wouldnt qualify for Preferred of super or whateva that carrier calls it with his ht/wt....and he'd rather pay a few bucks extra & not go thru all that if all he can get is Standard on a FU policy.

I think worst case would be standard plus at $27.56

 

[jdeasy]

Yeah i meant to say, he wouldnt qualify for Preferred of super or whateva that carrier calls it with his ht/wt....and he'd rather pay a few bucks extra & not go thru all that if all he can get is Standard on a FU policy.

Why would he pay extra just to avaid an exam? Standard on fully underwrittne is still gonna be a much better deal that SI. SI is gonna be table 4.

 

[WinoBlues]

Why would he pay extra just to avaid an exam? Standard on fully underwrittne is still gonna be a much better deal that SI. SI is gonna be table 4.

I _guess_ is that there is another reason. Weed is one of the main ones I come across or they know They may have high Sugars, GGTs or HBP.

Usually more to the story. But I agree Standard FU beats SITerm most times.

 

[TDFnCali]

Why would he pay extra just to avaid an exam? Standard on fully underwrittne is still gonna be a much better deal that SI. SI is gonna be table 4.

I couldnt answer that for him..I give him his options, tell him my opinion, but ultimately the client decides & the client is always right!

 

[WinoBlues]

I couldnt answer that for him..I give him his options, tell him my opinion, but ultimately the client decides & the client is always right!

Ditto. I assume he is grown. If he wants SITerm, WL, Term GUL, Cool.

 

[Josh]

I couldnt answer that for him..I give him his options, tell him my opinion, but ultimately the client decides & the client is always right!

The client might decide, but the client is not always right.