Very Overweight; Anybody Have Liberal Ht./Wt. Guidelines? (Exclude Final Expense)

[CALTCAgent]

Hello,


Other than final expense, term & single premium life.


Is there a lifetime pay plan that can accept very overweight?
(no other health issues except HBP)


Age 65, 5'-2", 250 lbs., give or take a few lbs!


Is there anything out there?

 

[WinoBlues]

Hello,


Other than final expense, term & single premium life.


Is there a lifetime pay plan that can accept very overweight?
(no other health issues except HBP)


Age 65, 5'-2", 250 lbs., give or take a few lbs!


Is there anything out there?

Yeah, they fall into the rated catalog. First question is what else is there they are not telling you?

I probably would probably ball park it at TBL 4. Labs are going be very telling. Face amount will be a factor as well. Table shave or credits _may_ help.

 

[CALTCAgent]

I probably would probably ball park it at TBL 4. Labs are going be very telling. Face amount will be a factor as well. Table shave or credits _may_ help.

Any particular companies good for this?


Is there a good place for finding table shave or credits for a case like this?

 

[tlmarketing]

According to build charts:

Prudential - Standard = 246, Table A = 256
$100k, lifetime no lapse at standard = $3490 per year.

 

[WinoBlues]

Any particular companies good for this?


Is there a good place for finding table shave or credits for a case like this?

I was not looking at any charts but as mentioned Pru would be one. Also Genworth has more liberal build requirements. I would also check out Sagicor and Protective.

Not sure about Pru but you may be able to dial down the guarantee to adjust the premium.

On table shave would look toward LFG and Principal. But base premium probably will be higher.