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Reply to 6'2" 415 Lb. Male, Non-smoker     
Old 07-27-2017, 01:41 PM   #1
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6'2" 415 Lb. Male, Non-smoker 6'2" 415 Lb. Male, Non-smoker
Anybody got any ideas who might take this? Takes 10 mg of Zapril once a day for borderline high blood pressure. Non-smoker. Brokerage can't find anything currently. Looking for $2,000,000 - 15 year term.

Thanks!
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Old 07-27-2017, 03:08 PM   #2
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6'2" 415 Lb. Male, Non-smoker Re: 6'2" 415 Lb. Male, Non-smoker
Originally Posted by Ocho View Post
Anybody got any ideas who might take this? Takes 10 mg of Zapril once a day for borderline high blood pressure. Non-smoker. Brokerage can't find anything currently. Looking for $2,000,000 - 15 year term.

Thanks!
He needs to be taller. Nothing I can find. Sounds more like a FE candidate to me.
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Old 07-27-2017, 04:08 PM   #3
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VolAgent on 6'2" 415 Lb. Male, Non-smoker
 
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6'2" 415 Lb. Male, Non-smoker Re: 6'2" 415 Lb. Male, Non-smoker
Originally Posted by yankee466 View Post
He needs to be taller. Nothing I can find. Sounds more like a FE candidate to me.
Oh please, he is super duper triple preferred. You guys need to stop robbing people. The company should be paying him, not the other way around.

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You can pay the premium or you can own the loss.
  Reply With Quote to 6'2" 415 Lb. Male, Non-smoker
Old 07-27-2017, 05:03 PM   #4
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6'2" 415 Lb. Male, Non-smoker Re: 6'2" 415 Lb. Male, Non-smoker
Originally Posted by Ocho View Post
Anybody got any ideas who might take this? Takes 10 mg of Zapril once a day for borderline high blood pressure. Non-smoker. Brokerage can't find anything currently. Looking for $2,000,000 - 15 year term.

Thanks!
Try Petersen International, a Lloyd's of London correspondent.

I wrote a guy a few years ago who was 6'4" 435lbs. Petersen issues Failure To Survive certificates...1-year term. Last year, I re-wrote the policy with Prudential after he lost 200lbs. Got standard rates that were about 1/2 of what he paid Petersen.
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Old 07-27-2017, 08:59 PM   #5
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6'2" 415 Lb. Male, Non-smoker Re: 6'2" 415 Lb. Male, Non-smoker
I wrote a guy who was 5' 11" 291 pounds and he got standard with Mutual of Omaha. Of course your man is 100+ pounds heavier.
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Old 07-27-2017, 09:54 PM   #6
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Mattschmidt on 6'2" 415 Lb. Male, Non-smoker
 
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6'2" 415 Lb. Male, Non-smoker Re: 6'2" 415 Lb. Male, Non-smoker
Originally Posted by billyb View Post
I wrote a guy who was 5' 11" 291 pounds and he got standard with Mutual of Omaha. Of course your man is 100+ pounds heavier.
YOu have your products confused. You didn't sell a "fully" underwritten plan, where you can get a Standard rate

You sold a Non med. plan, where the product has "tables" built into the product.

And like you said, the prospect in question is 100 pounds heavier. So no clue why you are even bringing this scenario up

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www.diabeteslifesolutions.com
  Reply With Quote to 6'2" 415 Lb. Male, Non-smoker
Old 07-28-2017, 05:38 AM   #7
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6'2" 415 Lb. Male, Non-smoker Re: 6'2" 415 Lb. Male, Non-smoker
Hey Yankee466...it's fuzz1228
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Old 07-28-2017, 08:07 AM   #8
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TampaHound on 6'2" 415 Lb. Male, Non-smoker
 
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6'2" 415 Lb. Male, Non-smoker Re: 6'2" 415 Lb. Male, Non-smoker
I remember getting a beach ball of a woman (330 pds) a FE policy with Foresters. Try them?
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Old 07-28-2017, 08:38 AM   #9
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6'2" 415 Lb. Male, Non-smoker Re: 6'2" 415 Lb. Male, Non-smoker
Originally Posted by Mattschmidt View Post
YOu have your products confused. You didn't sell a "fully" underwritten plan, where you can get a Standard rate. You sold a Non med. plan, where the product has "tables" built into the product. And like you said, the prospect in question is 100 pounds heavier. So no clue why you are even bringing this scenario up
Wrong! I sold him a $2,000,000 20YLT fully underwritten. Some companies have table shave programs and I assume he had enough credits to get standard. This may help this applicant qualify.

A few weeks ago I had a disabled applicant who took multiple pain killers and I called numerous underwriters only to be told NO. Foresters told me they would consider him and the application is pending.
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Old 07-28-2017, 01:11 PM   #10
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Mattschmidt on 6'2" 415 Lb. Male, Non-smoker
 
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6'2" 415 Lb. Male, Non-smoker Re: 6'2" 415 Lb. Male, Non-smoker
Originally Posted by billyb View Post
Wrong! I sold him a $2,000,000 20YLT fully underwritten. Some companies have table shave programs and I assume he had enough credits to get standard. This may help this applicant qualify.

A few weeks ago I had a disabled applicant who took multiple pain killers and I called numerous underwriters only to be told NO. Foresters told me they would consider him and the application is pending.
Nice try scammer. Spoke to moo underwriter with profile you shared. Standard rates not possible

Also term products don't have table shave. They have healthy credits to offset table ratings

More then happy to call into moo with you and record the call for the forum to hear. I have great relations with a couple of them
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