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Reply to Insurance for a 92 Year Old Female?     
Old 04-28-2010, 08:59 AM   #1
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Insurance for a 92 Year Old Female? Insurance for a 92 Year Old Female?
Will anyone write a healthy 92 year old female for a significant amount? Price doesn't matter.
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Old 04-28-2010, 09:07 AM   #2
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Insurance for a 92 Year Old Female? Re: Insurance for a 92 Year Old Female?
Originally Posted by briko3 View Post
Will anyone write a healthy 92 year old female for a significant amount? Price doesn't matter.
No, but even if they did she would pay up the death benefit in about 3 years, so price would probably matter if her life expectancy is longer than that. I assume you're talking about life insurance.

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Old 04-28-2010, 09:11 AM   #3
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Insurance for a 92 Year Old Female? Re: Insurance for a 92 Year Old Female? briko3 is the thread starter for: Insurance for a 92 Year Old Female?

Yep, life. There are companies that write to 90, just don't know of any that will write 92.
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Old 04-28-2010, 09:29 AM   #4
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Insurance for a 92 Year Old Female? Re: Insurance for a 92 Year Old Female?
If you found someone that would want 9,999 on a 10,000 policy. This lady has wait too late to buy life insurance.

If she died tomorrow would you say,,she was heathly and I wonder why she died? She may be "Heathly" but she is very old and is lucky to still be alive.

You are wasting your time on this client.

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Old 04-28-2010, 11:57 AM   #5
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Insurance for a 92 Year Old Female? Re: Insurance for a 92 Year Old Female? briko3 is the thread starter for: Insurance for a 92 Year Old Female?

I know, but for the amount of money we're talking, it's worth a try to ask.
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Old 05-04-2010, 03:04 PM   #6
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Insurance for a 92 Year Old Female? Re: Insurance for a 92 Year Old Female?
Try backdating 2 years : )

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Old 05-09-2010, 06:23 PM   #7
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Insurance for a 92 Year Old Female? Re: Insurance for a 92 Year Old Female?
92 without a policy? She probably let like 7 policies lapse in her lifetime. Think of how many lead cards she has probably filled out since she's turned 55 and how many agents she's told that she can't afford it. Or maybe she had one of the policies that come through the mail that cut you off at age 80 or 90. Or maybe her term premiums were jumping every 5 years. Who knows but her children better start saving up. But then again, they might be on Social Security now too.
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Old 07-02-2010, 10:41 AM   #8
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Insurance for a 92 Year Old Female? Re: Insurance for a 92 Year Old Female?
Just an idea, but with a 92yr old your best option isn't to sell her something now anyway because she won't really get any benefit even if she is approved. You might be better off helping her set up a trust to allow smooth settlement of her estate and let her put the funds back in bank CDs. But with helping her with her finances it will be able to figure out which beneficiaries get what amounts and you would have, at that time, earning some trust factors within the family to possible be placing 2-3-4 different policies with the beneficiaries down the road. It's all about the referrals, not the quick buck. Help the clients out long term and you will have money troubles (the good kind that is)

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Old 07-02-2010, 10:43 AM   #9
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Insurance for a 92 Year Old Female? Re: Insurance for a 92 Year Old Female?
At 92 she's not looking life insurance, but for a carrier to make a donation. Who are these people?

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Old 07-02-2010, 01:10 PM   #10
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Insurance for a 92 Year Old Female? Re: Insurance for a 92 Year Old Female?
Final Expense coverage?
I think ScottFLB hit the nail on the head.

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