Not possible to find Whole life over 85?

[rousemark]

Can SNL be sold over the phone these days?

I say Aetna can go up to 100, but can't find much info on them for life.

SNL can be sold over the phone and you can contract direct. You will have a salaried RD to help you when needed..

 

[Lloyds of Lubbock]

here is a bargain for you

 

[rousemark]

Acccendo goes to 89.

 

[Allen Trent]

here is a bargain for you

Considering life expectancy is onky 5.94 years, it seems like a pretty good deal. Only 25% chance an 85 year old makes it 9 years

With policy costs & comp costs & reserving requirements, i many times wonder how carriers even break even on some of these ages. Only takes a couple quick claim payments to mess up the math & i bet Covid made some dents in those math equations

 

[Lloyds of Lubbock]

Providing an illustration and actually underwriting it are 2 different things,
How many 85 year olds can get a standard rating?

 

[Lawsonhj1]

I would think the spaceship theory would apply to human longevity at age 85 he has already surpassed most obstacles could be clear sailing for a while.

 

[DHK]

Policy validation periods often take quite a while before policies are profitable to the insurance company.

That's why it's called the life insurance BUSINESS. (Emphasis on the word 'business'.)