Help with Client

jmarkk1

Guru
100+ Post Club
715
I've got a client looking for life insurance that is going to be hard to find coverage on...but thought you guys might have some info
Ohio resident
On permanent disability from car accident
Suffers from larynoplasms resulting from acid reflux, coughing, indigestion...this results in seizures
Any chance of getting coverage?
 
45
Seizures average under 6 a year but they are random.
They have been controlled with Nexium, but still hard to predict.
 
Trans will take preferred with less than 12 seizures a year.

And 45 is the age their senior FE product starts too b
 
I'm not looking for FE policy. Looking for GUL, etc.
He doesn't have epilepsy. Seizures result from larygnoplasms.
 
I didn't post information about GUL...i just thought I'd get non-FE recommendation since post isn't in FE forum. No worries
 
My suggestion: Quote him Std on compulife - Pick the top GUL companies and call them with the information. Or if you have access to a brokerage like Pinney call their in house underwriter. I would guess Mike at Pinney would be helpful even if you are not with them - yet.
 
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