- 5,243
RNA won't go down to 40 on their SIWL. starts at 50
FE for Insulin Diabetes
- Thread starter KenoKat88
- Start date
RNA won't go down to 40 on their SIWL. starts at 50
- 19,049
Yes, but that would be their EL for that age. $25,000 minimum face and he would be rated. Still probably better deal than SI?
If Trinity is in your state they have a fully underwritten for that age and has a $10,000 minimum. Would also be rated with them.
- 189
HOW ARE THEY TOO WORK WITH? would it be rated?
- 25,064
HOW ARE THEY TOO WORK WITH? would it be rated?
Unless you are military or a Vet.
- 29,527
SLAICO covers insulin Level, but at Substandard rates...adds about 50% to the premium. Nothing friendly about that.
- 4,693
Here are the rates for Senior Life Insurance Co. out of Thomasville, Ga.:
_62 Male smoker w/insulin is $58.62 for 10k w/20k ADB (standard rate)
_62 Male non-smoker w/ insulin is $52.12 for 10k w/20k ADB (preferred rate)
Doesn't matter if they started taking insulin when they were one year old. In fact you could get a 5 yr. old insulin dependent male immediate coverage of $20k w/$40k ADB for 21.81 or $20k w/$40k ADB 20 pay for $29.80!
The knockout for diabetes would be complications from uncontrolled diabetes in the last 2 years. Doesn't matter how many units of insulin are taken nor how many times per day they have a shot, nor if sugar pills are also taken.
Seems like each FE company has their own special niche, and insulin dependent diabetes is Senior Life Insurance Co.'s niche. Also no MIB's, APS's, RX checks unless face amount is over $20k.
If anyone can benefit from having this contract contact me.
_62 Male smoker w/insulin is $58.62 for 10k w/20k ADB (standard rate)
_62 Male non-smoker w/ insulin is $52.12 for 10k w/20k ADB (preferred rate)
Doesn't matter if they started taking insulin when they were one year old. In fact you could get a 5 yr. old insulin dependent male immediate coverage of $20k w/$40k ADB for 21.81 or $20k w/$40k ADB 20 pay for $29.80!
The knockout for diabetes would be complications from uncontrolled diabetes in the last 2 years. Doesn't matter how many units of insulin are taken nor how many times per day they have a shot, nor if sugar pills are also taken.
Seems like each FE company has their own special niche, and insulin dependent diabetes is Senior Life Insurance Co.'s niche. Also no MIB's, APS's, RX checks unless face amount is over $20k.
If anyone can benefit from having this contract contact me.
- 6,142
Senior Life Prices are on FEXquotes.
Senior Life is also WAY down the bottom of the page, so make sure you scroll down past all the cheaper companies to find it.
- 4,693
Senior Life doesn't have the cheapest premium in all situations that's for sure. So....who has lower prices for insulin diabetics, even 5 yr. old insulin dependent diabetics, than what I quoted above?
- 6,142
62 male smoker 10k standard rate is 75.31 with senior life
