24 Male Smoker Stroke 2 Years Ago 36 Female Smoker Bi Polar

[MPCFinPlan]

24 male smoker stroke 2 years ago
Pending surgery of the brain. (Didn't get all of the details)

36 female smoker bi polar and depression.

Looking for 15k.

I'm thinking of Transamerica standard. I've ran into two bi polar 30 year olds today. Looking for any experience with this.

 

[goillini52]

24 male smoker stroke 2 years ago
Pending surgery of the brain. (Didn't get all of the details)

36 female smoker bi polar and depression.

Looking for 15k.

I'm thinking of Transamerica standard. I've ran into two bi polar 30 year olds today. Looking for any experience with this.

Looks like Settlers Silver. I can't imagine they'd take somebody with pending brain surgery, but I didn't see anything on the app that would disqualify either...unless I'm going blind.

 

[MPCFinPlan]

Looks like Settlers Silver. I can't imagine they'd take somebody with pending brain surgery, but I didn't see anything on the app that would disqualify either...unless I'm going blind.

Exactly.
But Trans does ask about pending test or surgeries.

I'll call an underwriter Monday.

 

[Rearden]

United Heritage Level for the crazy lady.

 

[MPCFinPlan]

United Heritage Level for the crazy lady.

Trans is a no go?
(20 characters)

 

[Rearden]

Trans is a no go?
(20 characters)

Depends on the severity of her bi polar, as the 0-44 app underwrites differently than the 45-85 app.

 

[goillini52]

Exactly.
But Trans does ask about pending test or surgeries.

I'll call an underwriter Monday.

I don't know anything about TA. I was talking about Settlers Silver not asking about pending surgery.

 

[MPCFinPlan]

I don't know anything about TA. I was talking about Settlers Silver not asking about pending surgery.

I have settlers but haven't used them yet. Is silver graded?

 

[goillini52]

I have settlers but haven't used them yet. Is silver graded?

No, it's level...just a little higher than Gold.

 

[Newby]

24 male smoker stroke 2 years ago
Pending surgery of the brain. (Didn't get all of the details)

36 female smoker bi polar and depression.

Looking for 15k.

I'm thinking of Transamerica standard. I've ran into two bi polar 30 year olds today. Looking for any experience with this.

Settlers Silver is definitely your answer. TransAmerica is not a predictable choice for the under age 45 crowd anymore.

You need to study your Settlers. That should be one of your mains. Especially for under age 50.

And don't forget to make them 20-pay at that age, not lifetime pay.