30 Yr Old Asthma Uses Advair.Wants $500k. What Rating?
- Thread starter sirherbie
- Start date
- 3,764
Great question for your IMO or direct upline.
- Thread starter
- #3
- 11,274
Most companies have a life impairment guide. I don't know about the companies you listed, but here's what Assurity's guide says:
Asthma
- Initial onset before age 40
- Mild occasional attacks, no hospitalization or steroids................... Us 0 (Usually Standard, no rating)
- With tobacco use ........................................................................ T2
- Moderate, attacks more than 2-3 per year
- Occasional steroid use ................................................................ T4
- With Tobacco use ....................................................................... T6
Severe or Status Asthmaticus ...............................................Trial, Us Decline
I hope that helps. But yes, you need to look these up yourself and/or check with your upline/IMO.
Asthma
- Initial onset before age 40
- Mild occasional attacks, no hospitalization or steroids................... Us 0 (Usually Standard, no rating)
- With tobacco use ........................................................................ T2
- Moderate, attacks more than 2-3 per year
- Occasional steroid use ................................................................ T4
- With Tobacco use ....................................................................... T6
Severe or Status Asthmaticus ...............................................Trial, Us Decline
I hope that helps. But yes, you need to look these up yourself and/or check with your upline/IMO.
Not in front of my underwriting guides but if under 70, Lincoln would be my first choice.
3 table shave to standard is solid.
