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Any Simplified Issue That Will Take 55 Y.o. Male W/ Quad. Bypass and Still Smoking?

Any Simplified Issue That Will Take 55 Y.o. Male W/ Quad. Bypass and Still Smoking?


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Scroll down for a discussion on Any Simplified Issue That Will Take 55 Y.o. Male W/ Quad. Bypass and Still Smoking? within the Life Insurance Forum.

We have a 55 year old male smoker, 6'0" 210 lbs, had a heart attack and quadruple bypass at age 47, full recovery. Takes blood ...

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Reply to Any Simplified Issue That Will Take 55 Y.o. Male W/ Quad. Bypass and Still Smoking?
Old 06-10-2009, 12:34 PM   #1
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dgoldenz on Any Simplified Issue That Will Take 55 Y.o. Male W/ Quad. Bypass and Still Smoking? - Insurance Agent Forum
 
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We have a 55 year old male smoker, 6'0" 210 lbs, had a heart attack and quadruple bypass at age 47, full recovery. Takes blood pressure and cholesterol meds, takes 2 diuretics for water retention (may be related to the heart condition). Is there any simplified-issue term or permanent carrier that will accept him? We have checked with ~10 fully underwritten carriers and they are all Table 6 and up smoker rates. Just trying to compare what else may be out there.

Edit - We would also prefer to use A+ or A carriers if there are any.....A- would be a last resort.
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Last edited by dgoldenz : 06-10-2009 at 12:46 PM.
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Old 06-10-2009, 12:59 PM   #2
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Re: Any Simplified Issue That Will Take 55 Y.o. Male W/ Quad. Bypass and Still Smokin             Go to Top
What state does he live in? We have guaranteed issue except for ..HIV/AIDS, incarcerated, receiving hospice care or in a nursing facility..Greg 252-292-3350
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Old 06-10-2009, 01:05 PM   #3
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Re: Any Simplified Issue That Will Take 55 Y.o. Male W/ Quad. Bypass and Still Smokin             Go to Top
Virginia. I am not looking for a graded policy.
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Old 06-10-2009, 01:26 PM   #4
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Re: Any Simplified Issue That Will Take 55 Y.o. Male W/ Quad. Bypass and Still Smokin             Go to Top
As long as he has made full recovery you should have a lot of choices. LH comes to mind. But there are mony others. LH would be about 118 month for a 10yr term 50k.

Jim Sowder
Family 1st Insurance Brokerage
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Old 06-10-2009, 01:29 PM   #5
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Re: Any Simplified Issue That Will Take 55 Y.o. Male W/ Quad. Bypass and Still Smokin             Go to Top
Originally Posted by dgoldenz View Post
We have a 55 year old male smoker, 6'0" 210 lbs, had a heart attack and quadruple bypass at age 47, full recovery. Takes blood pressure and cholesterol meds, takes 2 diuretics for water retention (may be related to the heart condition). Is there any simplified-issue term or permanent carrier that will accept him? We have checked with ~10 fully underwritten carriers and they are all Table 6 and up smoker rates. Just trying to compare what else may be out there.

Edit - We would also prefer to use A+ or A carriers if there are any.....A- would be a last resort.
From the sound of it, Assurant would take him as preferred smoker any amount up to $75,000
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Old 06-10-2009, 02:37 PM   #6
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Re: Any Simplified Issue That Will Take 55 Y.o. Male W/ Quad. Bypass and Still Smokin             Go to Top
Originally Posted by Jim View Post
As long as he has made full recovery you should have a lot of choices. LH comes to mind. But there are mony others. LH would be about 118 month for a 10yr term 50k.

Jim Sowder
Family 1st Insurance Brokerage
304-640-8914
[COLOR=#0000ff]jimsowder@family1stinsurancebrokerage.com[/COLOR]
What company is LH? Lincoln Heritage?
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Old 06-10-2009, 02:41 PM   #7
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Re: Any Simplified Issue That Will Take 55 Y.o. Male W/ Quad. Bypass and Still Smokin             Go to Top
Yes,


Jim Sowder
Family 1st Insurance Brokerage
304-640-8914
[COLOR=#0000ff]jimsowder@family1stinsurancebrokerage.com[/COLOR]



Originally Posted by dgoldenz View Post
What company is LH? Lincoln Heritage?


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