Any Ideas on this One?

[HoosierLife]

Columbian not in MS. He asked about this on another thread.. UHL EIWL seemed to be the best if not the only option.

Yeah but he was here first.

 

[Mattschmidt]

Simplified issue. She can get $40k with trans 35k with Aetna and $25k with rna. None have height weight charts. I'd have to look drugs up on trans to she if she'd get preferred or standard . The premiums either $109 or $140 for a $40k whole life

35k with aetna for a 27 year old??? Study your underwriting guide

 

[Jerard]

35k with aetna for a 27 year old??? Study your underwriting guide

In addition to that, RNA's simplified issue starts at age 50.

 

[HoosierLife]

In addition to that, RNA's simplified issue starts at age 50.

I covered all this already Sometimes I wonder if petey actually writes FE.

 

[peteybear]

It was 6:40 in the morning when I responded. I hadn't had my first cup of coffee.The fat girls screwed.

 

[goillini52]

It was 6:40 in the morning when I responded. I hadn't had my first cup of coffee.The fat girls screwed.

Hey, fat girls need lovin' too.


They just ain't getting it from me.

 

[///MJay]

It doesn't help you personally but as a service to the client, refer her to a Western & Southern office. They used to have a guaranteed issue that young upto $50k. It is terribly priced but seems all other options are exhausted at this point. I have not been in touch with any of my W&S contacts for a long while but it used to be called Accessible Life.

 

[JGold814]

Yeah, i posted this on the final expense thread as well in case some who work in that field didn't see the post on this one.

From everything that I can find and from your alls expertise, I think the only option for her for any coverage at all is going to be UHL EIWL. I doubt she'll take that though due to price.

I'm pretty sure this case is not going anywhere.

You all are awesome. Thanks very much for the help.

 

[Stevekobrin]

Yes, UW Guy is bringing up the probability of a FE - flat extra - and I can see that is where this case would head IF an underwriter took it. That is why I emphasize the finances and ability to pay of the insured. To tell you the truth, I have probaly lost more sales due to the client's inability to pay rather than my inability to get an offer.

 

[UW Guy]

Yes, UW Guy is bringing up the probability of a FE - flat extra - and I can see that is where this case would head IF an underwriter took it. That is why I emphasize the finances and ability to pay of the insured. To tell you the truth, I have probaly lost more sales due to the client's inability to pay rather than my inability to get an offer.

True, in her case if she could take a small, highly rated WL product she might sneak out something if she shopped around long enough but they always want to get term...and that ain't likely happening. These are the people I get who I like to say "steal little"- they know they have issues but the rep needs to have them shot down on term first and then they see what a highly rated WL policy costs.