- 139
I saw a guy who was on medication, on diabetes, with a build frame of 5'9 255. I put him with American National and they have him now at a table rating of 4. What would have been a better option?
Term Insurance for a Diabetic with Large Build
- Thread starter ZenSamurai
- Start date
- 357
Lose about 50 pounds. Maybe Sagicor?
Pru will take that build standard. ANICO starts that height and weight table 2.
It looks like you have another couple of tables due to the diabetes. They will look at his age, age of onset, severity, and controls.
If you can't get him above a 4, look at Banner or AG (they would also likely rate him on build alone) as both rate off of classes better than standard.
You could shop it...unless it is still a nominal premium or he has no other coverage. It might not be a bad offer depending on all of these factors.
Good luck.
- 338
Would every company rate him according to his build and diabetes?
Not necessarily....but there isn't enough info to say one way or the other.
SpruceBruce
Expert
- 53
That table 4 offer looks to be a fair offer IMO.
- 4,132
Running quotes for a table 2-4 myself. I thought Pru off the top of my head, but their numbers weren't that hot. It's about the premium they charge for the class. If somebody's table 3 is less money than somebody else's table 2..
SParker
Super Genius
- 105
Can I ask how much is his annual premium for the policy?
Rob Lion
Guru
- 653
Since nobody is asking, whats his A1C?
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