Does anybody know which (if any) term life company doesn't rate too hard on Mental Disorders?
I have a 37 yr old female with serious mental disorders and Meds that wants a $50,000 term life policy with her healthy kids as riders for around $50 or less monthly.
Does anybody know which (if any) term life company doesn't rate too hard on Mental Disorders?
I have a 37 yr old female with serious mental disorders and Meds that wants a $50,000 term life policy with her healthy kids as riders for around $50 or less monthly.
Anybody had any luck with that?
Who is your GA? Have them query West Coast. I have a similar case with a 35 year old single female who is bi-polar, had been hospitalized twice five years ago, and now on Abilify med. My GA had client fill out a short diagnosis form and she shopped the case to various carriers and found that West Coast will "consider" her for 100K term on Schedule D... 30 years for about $450 a year.... assuming nothing else pops up on the paramed. Still waiting for final UW on case.... para has been scheduled for next week.
I know there are some folks here who don't recommend GAs but in my case she has been very helpful and has saved me a lot of time. And West Coast won't write direct anyway, so a GA is a necessary evil for this case, I suppose.
Hope this helps.... if not... ask James as he is one of the experts here on life.
I would like to but I've written a lot of business in this family and they want me to try to cover her.
Try some of the Mutual's, I find if rating as health issues and smoking is in play, they often are competitive. Both IM and NML have competitive smoking rates, does that transfer over to Bi Polar? I really don't know, I stay away from those headaches as much as possible!
Hello everyone! I am new to the board . Any suggestions on how to grow your business? Where are good leads available? What is easier to sell life or health?
Does anybody know which (if any) term life company doesn't rate too hard on Mental Disorders?
I have a 37 yr old female with serious mental disorders and Meds that wants a $50,000 term life policy with her healthy kids as riders for around $50 or less monthly.
Anybody had any luck with that?
Does she have her own place to live or is she completly dependant on others to take care of her? If she can take care of herself for the most part then an offer is possible. AIG writes down to 50k on there term portfolio. Pru is probably better but of course 100k minium. If she's is not somewhat self suffient then likely DQ. Fidelity has a pretty good garanteed issue term and whole life product. If nothing else try that.
Try some of the Mutual's, I find if rating as health issues and smoking is in play, they often are competitive. Both IM and NML have competitive smoking rates, does that transfer over to Bi Polar? I really don't know, I stay away from those headaches as much as possible!
Agreed there with this exception, 40 hour per week working bi-polar and no recent hospitalization's can go standard to t-6. Non working bi-polar always a DQ.
I wrote this case months ago with a final expense policy. She didn't work and was on full disability.
It's great that people look at threads 6 months old and respond. Always nice to see.
I think there was a thread a few years ago asking what the benefits would be for PDP plans in 2006. I have goose bumps anticipating new responses for that one.
It's great that people look at threads 6 months old and respond. Always nice to see.
I think there was a thread a few years ago asking what the benefits would be for PDP plans in 2006. I have goose bumps anticipating new responses for that one.
Rick
Standard t-6 for you pal. I've read alot of your posts. Your depressed and angry. If you might have noticed I'm new to the board and somebody spammed the thread bringing it current. Yes I should have caught that but you dont need to be rude to me.
Standard t-6 for you pal. I've read alot of your posts. Your depressed and angry. If you might have noticed I'm new to the board and somebody spammed the thread bringing it current. Yes I should have caught that but you dont need to be rude to me.
Brian Fife
Brian:
In the nicest way possible, it's you're depressed and angry.
Your is possessive, meaning it belongs to YOU. You're is a contraction of YOU ARE.
In the nicest way possible, it's you're depressed and angry.
Your is possessive, meaning it belongs to YOU. You're is a contraction of YOU ARE.
And I wasn't being rude. I was expressing humor.
Other than that, welcome to the board.
Rick
[COLOR=#000000]I know at least 1 person that didn't think it was funny. Thanks for the warm welcome and trying to make me look like a moron with the cute English lesson.
[COLOR=#000000]I know at least 1 person that didn't think it was funny. Thanks for the warm welcome and trying to make me look like a moron with the cute English lesson. [/COLOR]
[COLOR=#000000]All the best, [/COLOR]
[COLOR=#000000]Brian[/COLOR]
Brian dont mind Rick. He hasn't been laid in months, and he needs ways of taking out his aggression. He has been caught on the weekends "humping" the NAA thread.
Brian dont mind Rick. He hasn't been laid in months, and he needs ways of taking out his aggression. He has been caught on the weekends "humping" the NAA thread.
She didn't need that much. Like many people who think they want term, she was really wanting it for final expenses. I run across that ALL the time. They hear people advise them to buy term but when you start asking them questions 1. They are not investing the difference 2. Their need is for permanent insurance not term and 3. They had no idea that term insurance has an end to it or that the rates will eventually go up.
Term Life Underwriting
Ouch. Not even a smiley after that blow
Linear Mode
