Underwriting Question

[yankee466]

Other than Mutual/United of Omaha and MedAmerica, does anyone know who might consider a type II well controlled diabetic who still smokes...assuming no other issues of course? GNW, PRU, JH are a NO.

I am unaware of NY Life, Mass Mutual, NWM, etc, guidelines....since I do not sell those products. TransAmerica maybe?

Any help appreciated.

 

[Mr_Ed]

Other than Mutual/United of Omaha and MedAmerica, does anyone know who might consider a type II well controlled diabetic who still smokes...assuming no other issues of course? GNW, PRU, JH are a NO.

I am unaware of NY Life, Mass Mutual, NWM, etc, guidelines....since I do not sell those products. TransAmerica maybe?

Any help appreciated.

Transam is possible.
the Omahas and Medam are the only others.

 

[Todd King]

How about Protective Life (West Coast Life)?

 

[Arthur Rudnick]

"How about Protective Life (West Coast Life)?"

I don't believe either does LTCi

 

[Mr_Ed]

"How about Protective Life (West Coast Life)?"

I don't believe either does LTCi

I think Todd is thinking about life insurance, not LTC insurance.

 

[WinoBlues]

I think Todd is thinking about life insurance, not LTC insurance.

Todd is just ahead of the curve. He is already into the cross sale.

 

[yankee466]

thanks for the help.

I would hate to think what WCL would charge on a life policy for a 66 year old male diabetic smoker if I tried to get him the extended benefits rider. I guess I will stick with my Mutual of Omaha approach and hope these people don't waste time trying to shop for something that does not exist,