Any Suggestions? Insulin and Ooooverweight

[taz]

She is looking for a term for 100K.
DOB 1/8/1953 62 years old.
5'04 344.5# and is insulin dependent.
I do not have A1C levels as I figured she cannot qualify.

I will check back tomorrow morning I am busy tonight. Thanks in advance for all suggestions. and comments.

 

[Cash]

Jeeze another big one. I think we need a fatty UW forum.

 

[Deepsea]

She is looking for a term for 100K.
DOB 1/8/1953 62 years old.
5'04 344.5# and is insulin dependent.
I do not have A1C levels as I figured she cannot qualify.

I will check back tomorrow morning I am busy tonight. Thanks in advance for all suggestions. and comments.

That is extremely overweight. I don't know anything about underwriting, but what company would write a 62 year old morbidly obese person ? ---just saying

 

[UW Guy]

Jeeze another big one. I think we need a fatty UW forum.

Ha! If you want to write them for life, anything under a BMI of 50-55 usually can get in the door (sorry, bad pun). Term is another story as it's carrier dependent; but you can likely sneak out some WL on them up to that point. To figure it out just hit google for a quick and dirty BMI calculator. Above that, you're likely out of luck and are in FE/GI territory.

 

[Deepsea]

That is extremely overweight. I don't know anything about underwriting, but what company would write a 62 year old morbidly obese person ? ---just saying

Oh yeah on insulin also

 

[UW Guy]

That is extremely overweight. I don't know anything about underwriting, but what company would write a 62 year old morbidly obese person ? ---just saying

To quote Ted DiBiase "Everyone has their price", is she a Preferred/PF + risk with a front line carrier's term products? Oh for the love of all things holy no. But for some Final Expense, no more than $10K-$25K of risk, someone's bound to take some of that action someplace. Go far enough you find somebody who asks few enough questions.

 

[goillini52]

If no heart or other problems and not on insulin before age 40 or more than 40 units per day...American Continental is $137.50 mbd for $35K level.