Over 85 for Final Expense

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Old 04-23-2010, 01:51 PM   #1
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csyjnapapa on Over 85 for Final Expense - Insurance Forum
 
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Over 85 for Final Expense Over 85 for Final Expense
Anyone have a company that will cover 88 year old for final expense? Lives in Ohio

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Old 04-23-2010, 08:55 PM   #2
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Over 85 for Final Expense Re: Over 85 for Final Expense
Sagicor goes to at least 90.
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Old 04-23-2010, 09:01 PM   #3
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Over 85 for Final Expense Re: Over 85 for Final Expense
Originally Posted by csyjnapapa View Post
Anyone have a company that will cover 88 year old for final expense? Lives in Ohio
American Continental has just released a final expense plan that goes up to age 89. I don't know if it is available in your state.
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Old 04-23-2010, 09:19 PM   #4
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jody108 on Over 85 for Final Expense - Insurance Forum
 
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Over 85 for Final Expense Re: Over 85 for Final Expense
That's crazy! 89?????????
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Old 04-27-2010, 11:53 PM   #5
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Over 85 for Final Expense Re: Over 85 for Final Expense
How much do the person want? If it's really small 5K and under, the premium might be really high and it's just better for them to put it in a bank account. It's probably not worth it for them and don't forget the 2 year of con testability that MIGHT be use if the person dies in the first 2 years..... Anyway, that's what I've always attacked the over 85 YO that wants a small policy. By doing that, you might be able to get their spouse or their children. for a referral which is always the case for me....
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Old 04-28-2010, 01:12 AM   #6
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Over 85 for Final Expense Re: Over 85 for Final Expense
Transamerica will issue underwritten life insurance up to age 89 I believe. Would take about 6 or 7 years to pay up the death benefit and no graded coverage period. Not going to get any less expensive than that on a cost per thousand basis. Of course, it would be tough for someone that old to qualify in the first place.

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Old 04-28-2010, 06:11 AM   #7
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theinsuranceman on Over 85 for Final Expense - Insurance Forum
 
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Over 85 for Final Expense Re: Over 85 for Final Expense
NC Mutual out of Durham, NC goes to age 90.
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Old 04-28-2010, 08:04 AM   #8
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Over 85 for Final Expense Re: Over 85 for Final Expense
Originally Posted by theinsuranceman View Post
NC Mutual out of Durham, NC goes to age 90.
A 10,000 policy costs $11,000 per year ... Am I close?
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Old 04-28-2010, 11:54 AM   #9
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Over 85 for Final Expense Re: Over 85 for Final Expense
Originally Posted by Newby View Post
A 10,000 policy costs $11,000 per year ... Am I close?
I have no idea about their rates.
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Old 04-28-2010, 12:07 PM   #10
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Mark on Over 85 for Final Expense - Insurance Forum
 
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Over 85 for Final Expense Re: Over 85 for Final Expense
The problem is most people that age want to give you 20 cent on a dollar and you turn it into a dollar within about 4 years..
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