Life policy for MS client

NCnatwidagent · 06-16-2008, 01:56 PM

Does anyone know of a company that will write a life policy for a female, age 45 with MS?
My underwriters took a trial app from me, but declined. No surprise. But I'm wondering if there is anyone that will issue?
She is just looking for a 10-20yr term to cover a mortgage.

Thanks!

Mr. Bill · 06-16-2008, 01:59 PM

Don't know whether this will help or not:

Shopping for Life, Disability, and Long-Term Care Insurance : National MS Society

SportsNut · 06-16-2008, 02:13 PM

Originally Posted by NCnatwidagent

Does anyone know of a company that will write a life policy for a female, age 45 with MS?
My underwriters took a trial app from me, but declined. No surprise. But I'm wondering if there is anyone that will issue?
She is just looking for a 10-20yr term to cover a mortgage.

Thanks!

AIG's U/W Guide lists it as such:

Single or multiple episodes, stable 1 year: Table A-C, Table D-H. (the single episode would garner the lower table ratings)

Others: Declined.

I might also susggest that you deal with BDS Agency, Matt Stewart, (877) 713-3311 ext. 312. They have some fairly successful impaired risk u/w experience and I'm sure they could steer you to a decent source of coverage.