My client wants to insure her irresponsible kid brother in case of premature death. He has a history of misdemeanor arrests (including within the past 24-months) due to drinking and driving, but no felony charges....yet. This past weekend, he was robbed while drunk and asleep in his vehicle. Are there any carriers that would consider him level with day-1 protection? If not, what is the next best option and carrier?
29 year-old showing signs of alcoholism...
- Thread starter titeye
- Start date
- 5,797
Try LBL, he might go standard. How old is he?
- Thread starter
- #3
- 4,040
That’s the minimum age for Modified. Were you using the pre-check tool?
- Thread starter
- #5
No, I was not using the pre-check tool, at the time. However, I did assume he would not qualify standard due to his arrests and/or conviction of the misdemeanor.
- 4,040
That would be a fair assumption. However, I’ve had a couple of weird cases approved for standard on LBL Home Service, so he might fly through. But I don’t think I’d start the app without running the pre-check.
- Thread starter
- #7
Okay, thank you. I will do it that way, for certain.
- 25,026
Take a look at United Home Life DLX Term. 20yr $50,000
- Thread starter
- #9
I was just looking at UHL before reading your response.
