Quote for a 100k Term Policy

[bboman23]

I have a 33yo male that's needs 100k term policy but has a history of Alco and drug abuse and takes medicine for it. Will any companies take him?

 

[benwrigh]

I have a 33yo male that's needs 100k term policy but has a history of Alco and drug abuse and takes medicine for it. Will any companies take him?

How long ago? All that I know of at look back at least 7 years.

 

[bboman23]

Think it's been within the past 5 years

 

[rousemark]

Think it's been within the past 5 years

Currently on medication? .

 

[WinoBlues]

I have a 33yo male that's needs 100k term policy but has a history of Alco and drug abuse and takes medicine for it. Will any companies take him?

You also need to know how his MVR looks. If he is a member of organizations like AA and what chip he has. Any arrest, for what and when? Type of meds and is he compliant?

Get a drug and alcohol questionnaire to get a feel for what a premium will be and see if he can/will handle it.

 

[dgoldenz]

He's going to have a big flat extra if he gets any offer at all. Probably a waste of time unless this is somebody you know. You're going to put in a lot of work on this one unless he does some type of graded simplified-issue policy, for what, a $100 commission?