58 year old male, heart attack and stent three years ago

[shonceman]

He was going to apply to AARP/New York Life for $100,000 term policy for $116 per month. His brother-in-law suggested that he call me.

Besides the heart issue, he also has some high blood pressure. 6 foot two, 220 pounds. What’s my best bet for term on this guy?

 

[shonceman]

 

[Chuckler]

He was going to apply to AARP/New York Life for $100,000 term policy for $116 per month. His brother-in-law suggested that he call me.

Besides the heart issue, he also has some high blood pressure. 6 foot two, 220 pounds. What’s my best bet for term on this guy?

Maybe you shouldn't have posted that on April Fools Day...

 

[shonceman]

Maybe you shouldn't have posted that on April Fools Day...

I ended up shopping it. He’s tentatively acceptable at table 2 with one carrier, table 3 with another. Those 2 carriers included a bunch of caveats along with the quote. A couple others said they would likely decline. But several carriers came back at table 4, so I’ll probably quote the carrier I like the best out of those.

 

[Chuckler]

I ended up shopping it. He’s tentatively acceptable at table 2 with one carrier, table 3 with another. Those 2 carriers included a bunch of caveats along with the quote. A couple others said they would likely decline. But several carriers came back at table 4, so I’ll probably quote the carrier I like the best out of those.

NYL quoted him at a table 2 or 3?

 

[Tahoe Ray]

I ended up shopping it. He’s tentatively acceptable at table 2 with one carrier, table 3 with another. Those 2 carriers included a bunch of caveats along with the quote. A couple others said they would likely decline. But several carriers came back at table 4, so I’ll probably quote the carrier I like the best out of those.

I have a good buddy who does nothing but term/perm life cases for heart issues.

If you run into one of these that's worth splitting, let me know and he'll get it written. He's gotten some crazy offers that I never thought possible (FU, not GI or FE).

 

[DonP]

Years ago I wrote $200 k fe with 7 carriers they all got turned down . He was 64 . Wrote a gul with Lincoln life and they aps’ed both drs and he got issued standard .

 

[shonceman]

NYL quoted him at a table 2 or 3?

Didn’t get a NYL quote. Principal was T-2. North American T-3. Also UOO said “minimally T-3”.

 

[rousemark]

I have a good buddy who does nothing but term/perm life cases for heart issues.

If you run into one of these that's worth splitting, let me know and he'll get it written. He's gotten some crazy offers that I never thought possible (FU, not GI or FE).

Would his name be "BIG LOU"?

 

[Tahoe Ray]

Would his name be "BIG LOU"?

Ha! No, but he is in FL.