Term with No Height and Weight Requirements

Insuranceman · 07-01-2009, 10:52 PM

I looking for a company that carries term with no height & weight requirement.

Markingriffin · 07-02-2009, 10:02 AM

Originally Posted by Insuranceman

I looking for a company that carries term with no height & weight requirement.

I'm not sure about the new product. But I've seen some kind of graded term product. I think Fidelity had one, but I'm clueless about the product.

I would think that graded term products would not have limits on height and weight.

But besides trying that, every term company and product I have seen has some kind of a limit on height and weight.

moonlightandmargaritas · 07-02-2009, 10:06 AM

Have you navigated to: TermForFatties.com?

SportsNut · 07-02-2009, 12:48 PM

Originally Posted by Markingriffin

graded term product. I think Fidelity had one, but I'm clueless about the product.

I would think that graded term products would not have limits on height and weight.

Fidelity GDB term product does have a Ht-Wt chart... For less than 100K, the numbers are BIG. Like 5'2" - 357; 5'8" - 404; 6'0" - 437. For 100K and over the limits are much tighter, and are similar to Assurity term weights.

voliosclark · 07-02-2009, 02:11 PM

Have you considered a non-med type of product?

Norwayguy · 07-02-2009, 02:36 PM

Originally Posted by voliosclark

Have you considered a non-med type of product?

Non-Med products have Height and Weight Guidelines...are you recommending that he lie on the app just because there is not a paramed? Insurance Fraud not such a great idea.

souldeux · 07-02-2009, 03:17 PM

Do you have a client on hand, or is this just something you'd like to have around?

If you've got one, what's the height/weight and the face value? It'd probably be a heck of a lot easier to shop carriers with higher limits than search for something with none.

Insuranceman · 07-02-2009, 04:08 PM

I have a client who weights 400 lbs and his wife weights 300 lbs both smokers, but have plenty on money.
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Who can hook me up with a contract with Fidelity ?

LGilmore · 07-02-2009, 04:21 PM

Both morbidly obese and smokers to boot?

I really can't think of a company that wouldn't basically make it a dollar for dollar premium to DB trade off.

Insurance companies didn't get to be as big as they are by being stupid. But good luck finding a premium these folks would pay.

moonlightandmargaritas · 07-02-2009, 04:31 PM

Originally Posted by Insuranceman

I have a client who weights 400 lbs and his wife weights 300 lbs

I hope she stays on top.

arnguy · 07-02-2009, 04:47 PM

Paul, shouldn't that be TermForFatties.org inasmuch they must be doing a wonderful public service as a non-profit organization!

FE-GIRL · 07-02-2009, 04:52 PM

Originally Posted by moonlightandmargaritas

I hope she stays on top.

ugh! that's a site ... thank you
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Originally Posted by Insuranceman

I have a client who weights 400 lbs and his wife weights 300 lbs both smokers, but have plenty on money.
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Who can hook me up with a contract with Fidelity ?

Oak Tree Us dot com has fidelity at 98% ... they love fidelity ... they have all the companies and their sales guy, kyle, really raves about them.

My husband told me that todd king may start contracting with them ... he is on the board as you might already know.

moonlightandmargaritas · 07-02-2009, 04:58 PM

Originally Posted by Insuranceman

I have a client who weights 400 lbs and his wife weights 300 lbs both smokers

Question: "Do you smoke after sex?"

Answer: "I don't know, I never looked."

FE-GIRL · 07-02-2009, 04:58 PM

Also, anyone know of a company for FE that will write an immediate benefit to someone who is within their 12-23rd month since a heart attack, stroke or circulatory surgery?

Also, does anyone know if Fidelity has a guaranteed issue whole life? or close? besides HIV and nursing home ...

SportsNut · 07-02-2009, 06:26 PM

Originally Posted by FE-GIRL

also, anyone know of a company for FE that will write an immediate benefit to someone who is within their 12-23rd month since a heart attack, stroke or circulatory surgery?

Also, does anyone know if Fidelity has a guaranteed issue whole life? or close? besides HIV and nursing home ...

Must have been a bad yr... if the HA, stroke or surg lasted 12 months. Sounds like you are asking more of a gen'l question, that for a specific case, but if not it is best to ask SPECIFIC questions. Reason being is that I know of a company that would accept any of the above if betweeen 18 and 23 months, but not less than 18 months, incl some meds. Do not know of one that will accept this at less than 18 months, unless of GDB policy.

Fidelity has a GDB WL policy. It is NOT guaranteed issue. The u/w on it is similar to a FE policy, as HA, Stroke or similar proceedure within the past two yrs is a knockout question. (sort of going from memory here so I could be off a little). It is a niche product, but often times there are better offers for the client. Exception to this would be young person and higher face amt demands than what FE will accomodate.
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Originally Posted by Insuranceman

I have a client who weights 400 lbs and his wife weights 300 lbs both smokers, but have plenty on money.

So have these folks ever been measured for height...? (that would be standing up now). The ins offers will vary whether they are 4'9" or 5'9"... so it is kind of an important piece of data. Just as important as the weight itself.

In fact... since you are asking for help, you might get more of it... and even some that is useful if you were to put the whole story out there at once...

E.g. M, 5' 11", 400 lb, sm; HBP, treated with blah, blah. Takes x, y and z for meds, and doseage is a, b and c. No hospitalizations in the past 5 yrs.

What you will then find is folks will offer some credible carriers, which may turn out better than the offer of Fidelity to this point, because we still don't know if they will take them, and if that is the BEST product that you could offer them. Maybe there is a perfect choice for them, but you and they might NOT ever know it unless all the facts are known.