I have a potential client looking for $50,000 of permanent Life Ins. I would like your opinion. Here's the scenario: Female, age 62, Ht. 5'5" & Wt. 222 lbs, no tobacco, on disability from a car accident, Meds for: Blood pressure 10 yrs, Addison's disease since 1982, Heart meds for 2 yrs; she had a heart valve replacement for a Murmur in 2016, Cholesterol stable (preventative med), & a Water pill. Can this case be underwritten traditionally and what carrier might you suggest?
Your Opinion
- Thread starter RFG
- Start date
- 11,291
The heart meds and heart valve replacement for 2 years... and she seems to be a little under-height for her weight.
For the amount you're looking for, I bet there may be a guaranteed issue company out there, but I don't know that part of the business. You might get better results and input by asking in the FE forum.
For the amount you're looking for, I bet there may be a guaranteed issue company out there, but I don't know that part of the business. You might get better results and input by asking in the FE forum.
- 5,290
My god. That is the most gentle, subtle, and tactful way of calling someone overweight I have ever heard.
I weight trained for years and then started to get fat. I could have just called myself under height for my weight.
- 11,291
I didn't make it up. 
- 15,041
FE prospect all day long, and twice on Sunday. Between health problems and build, almost certainly table rated. I would put the person in a SIWL policy she might actually qualify for.
- Thread starter
- #6
