What Company For This Prospect?

[0b1kanobee]

I have a prospect who I'm doing a fully underwritten GUL on but I'm concerned she is going to get rated even though they "think" she could get standard. Her budget is about $80 per month. So what company would suit her best for SI FE policy and how much face value could she get for $80 per month?

I'm also interested in knowing whether that Sagicor SI GUL would work? She is not concerned with cash values but not opposed to them. Just looking for a backup plan in case the fully underwritten policy is too much money (the face on it is $25,000 and also the minimum so I won't be able adjust face value for lower monthly premium).

Here are her stats (she has not been diagnosed as a diabetic):

Female
DOB is 09/19/1945
Height 5'3"
Weight 200lbs
Non Tobacco (last used 45 years ago)
Current health status is: Stasis Dermatitis (legs); no diabetes yet gets A1C levels checked every three months due to family history last A1C level was 5.3
12/26/12 had vericose vein removal surgery from leg
Skin biopsy in March of this year came back "spongiotic dermatitis"
PRESCRIPTIONS:
1) Levo Thyroxine 100mgs 1x per day
2) Alendronate 70 mgs 1x per week
3) Prescription Vitamin D 50,000 IU 1x per week
4) Furosemide 20 mg as needed (helps leg swelling)
5) Triamcinolone Acetonide ointment (as needed)

 

[jdeasy]

I have a prospect who I'm doing a fully underwritten GUL on but I'm concerned she is going to get rated even though they "think" she could get standard. Her budget is about $80 per month. So what company would suit her best for SI FE policy and how much face value could she get for $80 per month?

I'm also interested in knowing whether that Sagicor SI GUL would work? She is not concerned with cash values but not opposed to them. Just looking for a backup plan in case the fully underwritten policy is too much money (the face on it is $25,000 and also the minimum so I won't be able adjust face value for lower monthly premium).

Here are her stats (she has not been diagnosed as a diabetic):

Female
DOB is 09/19/1945
Height 5'3"
Weight 200lbs
Non Tobacco (last used 45 years ago)
Current health status is: Stasis Dermatitis (legs); no diabetes yet gets A1C levels checked every three months due to family history last A1C level was 5.3
12/26/12 had vericose vein removal surgery from leg
Skin biopsy in March of this year came back "spongiotic dermatitis"
PRESCRIPTIONS:
1) Levo Thyroxine 100mgs 1x per day
2) Alendronate 70 mgs 1x per week
3) Prescription Vitamin D 50,000 IU 1x per week
4) Furosemide 20 mg as needed (helps leg swelling)
5) Triamcinolone Acetonide ointment (as needed)

RNA's EL whole life. $25000 face, $77/mo.

 

[0b1kanobee]

RNA's EL whole life. $25000 face, $77/mo.

JD is that SI? Not fully underwritten? No blood tests? Take the app and do a phone interview sorta process? (I could find out tomorrow but I'm too curious to wait)

 

[GoCubsGo]

I think she is too short for either Sagicor or RNA standard

 

[Jerard]

JD is that SI? Not fully underwritten? No blood tests? Take the app and do a phone interview sorta process? (I could find out tomorrow but I'm too curious to wait)

No, EL is the Essential Life, not the SI. There's no phone interview with the EL but it is fully underwritten.

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I think she is too short for either Sagicor or RNA standard

She's not too short but she's 41 pounds overweight for RNA Standard.

 

[bigjake]

furosemide 20 (powerful) + Skin issues + weight +varicose veins +Heavy Vitamin D = LIVER, most likely. Use someone who doesnt do Rx check and no MIB. could be cirrhosis caused from thyroid meds.

 

[jdeasy]

JD is that SI? Not fully underwritten? No blood tests? Take the app and do a phone interview sorta process? (I could find out tomorrow but I'm too curious to wait)

Paramed at that age.

 

[rousemark]

furosemide 20 (powerful) + Skin issues + weight +varicose veins +Heavy Vitamin D = LIVER, most likely. Use someone who doesnt do Rx check and no MIB. could be cirrhosis caused from thyroid meds.

My wife and I both take Vitamin D3 once weekly and neither of us have any known liver problems. The doctor gave us the choice of taking several over the counter Vitamin D capsules daily or taking the D3 once per week to accomplish the same purpose. The once per week was a no brainier.. especially since our drug plan covers teh cost of the prescription but would not pay for the over the counter.

 

[JimmyUt]

Lots of research out there on the benefits of vitamin D. I take 10000 IU per day and have never had liver issues. Vitamin D is important many of the bodies processes.

 

[PittAgent]

Lots of research out there on the benefits of vitamin D. I take 10000 IU per day and have never had liver issues. Vitamin D is important many of the bodies processes.

I hear it's a million times more effective at preventing the flu than flu shots that are like 2% effective.