Can she get Final Expense?

Cheech · 09-29-2008, 04:06 PM

She is 65, with cancer, and also a diabetic.

Located in RI.

Looking for final expense.

My current carriers wont accept her.

Thanks in advance.

myinsurebiz · 09-29-2008, 06:43 PM

She can get a graded death benefit policy.

Tom

*midwestbroker* · 09-29-2008, 09:42 PM

She can get a guarantee issue product. That will have a 3-4 year window before she gets full death benefit. Prior to that it will be return of premiums with a % back.

Cheech · 09-29-2008, 10:34 PM

What carriers can I get that through?

mcday · 09-29-2008, 11:54 PM

Provident and UTA both have the graded plan - the "maturity period" is three years. If there's a death in that time, they'll pay premiums back, plus interest compounded at the annual rate of 10% (less any policy loans).

Cheech · 09-30-2008, 08:33 AM

Wondering if anyone out their is offering contracts for these carriers and what the comp plan is?

Thanks

myinsurebiz · 09-30-2008, 09:15 AM

You can get 100% at the least from a few peeps on this forum if you can jump through a few hoops . . .

Tom

MedSuppRecruiter · 09-30-2008, 11:12 AM

Americo. Guaranteed issue no Health exam