AfroPope
Expert
Hi all,
I almost exclusively do FE and Medicare but have two clients who would like some additional coverage until their grandchildren are grown. Their ideal is 20 years and 50,000 each, but I haven't seen any carriers in their budget and told them that this was absolutely not realistic for in the $100-150 range combined. They understood. (my commentary: I think their budget could absolutely be higher based on their income, but I want to be prepared and they know their situation better than I).
64 y/o male, TIA in early 2013 but no meds and no other health issues. Nonsmoker.
65 y/o woman, no health issues or meds. Smoker.
I rarely write term, but when I do it's Safe Harbor. I think the best I can get them is 25k for 10 years, which is going to be right around $125 (the woman is, of course, extremely expensive due to the fact that she's a smoker).
What are the other options for these folks? Again, term is NOT my wheelhouse and these two already have big FE policies with me. Just want to take care of them.
Thanks!
I almost exclusively do FE and Medicare but have two clients who would like some additional coverage until their grandchildren are grown. Their ideal is 20 years and 50,000 each, but I haven't seen any carriers in their budget and told them that this was absolutely not realistic for in the $100-150 range combined. They understood. (my commentary: I think their budget could absolutely be higher based on their income, but I want to be prepared and they know their situation better than I).
64 y/o male, TIA in early 2013 but no meds and no other health issues. Nonsmoker.
65 y/o woman, no health issues or meds. Smoker.
I rarely write term, but when I do it's Safe Harbor. I think the best I can get them is 25k for 10 years, which is going to be right around $125 (the woman is, of course, extremely expensive due to the fact that she's a smoker).
What are the other options for these folks? Again, term is NOT my wheelhouse and these two already have big FE policies with me. Just want to take care of them.
Thanks!