Whole Life Quote

[bboman23]

15 year old female
Bi polar disorder
Needs 15000 whole life

What options are out there?

Her height and weight are fine and she is healthy.

 

[jdeasy]

15 year old female
Bi polar disorder
Needs 15000 whole life

What options are out there?

Her height and weight are fine and she is healthy.

RNA's EL should be fine with that and you can write it $15000 at that age. $12.53/mo life pay, $16.80/mo 20 pay.

Settlers Life should also be good. Silver 10 pay $25.37/mo. 20 pay $22.31. Life pay $17.85/mo.

 

[bboman23]

RNA's EL should be fine with that and you can write it $15000 at that age. $12.53/mo life pay, $16.80/mo 20 pay.

Settlers Life should also be good. Silver 10 pay $25.37/mo. 20 pay $22.31. Life pay $17.85/mo.

Rna need phone interview done? And how does settlers do phone interviews if they are 15? Mom complete it?

 

[Eldo]

15 year old female
Bi polar disorder
Needs 15000 whole life

What options are out there?

Her height and weight are fine and she is healthy.

Sentinel Security New Vantage I $13.85 mo/life pay $19.20 mo/20 pay.

 

[jtow]

Rna need phone interview done? And how does settlers do phone interviews if they are 15? Mom complete it?

RNA has no PHI on the EL product. Settlers, don't know.

 

[bboman23]

RNA has no PHI on the EL product. Settlers, don't know.

Ok thanks! I've wrote the siwl with them but not essential yet.

 

[jdeasy]

Rna need phone interview done? And how does settlers do phone interviews if they are 15? Mom complete it?

No mandatory interview on RNA. Settlers has to have one. Not sure what age it starts for the person to have to do it themself.

 

[Rearden]

The parent would do that interview, correct?

 

[bboman23]

The parent would do that interview, correct?

Is there a starting age with them when an interview is required, or is it on all apps no matter what?

 

[rousemark]

The parent would do that interview, correct?

No.. The grandparent can do it as long as they have knowledge of the child's medical history.. This is from the underwriting guide.

Grandparents - Grandparents may insure their minor grandchildren without a parent's consent; however, the grandparent must be personally aware of the child's health and if we need an APS, a medical release signed by one of the child's parents will be necessary. The child must also be a resident of a state where Settlers Life is licensed to conduct business. For benefits $15,000 and greater, the agent must see the child. The grandparent should sign the application as owner and be named as owner on the front of the application. Do not sign the minor child's name as the proposed insured. The Gold or Silver Plan should be used.