52 yr old smoker for term

[SamIam]

I have a 52 yr old male who smokes half a pack a day. He is looking for a 20-year term policy for a business arrangement looking for around 300K. Height and weight fine no other health conditions. Who do you recommend?

 

[NotYourAdvisor69]

Check out Americo - they have a “quit smoking initiative.”

 

[billyb]

I like Banner.

 

[myinsurebiz]

Assurity

 

[TG-Terry]

First page of the quote, started with the lowest premium. should be able to give you an idea. Some carriers care about tobacco some do not care that much.

 

[sman]

Assurity

What am I missing on Assurity because they aren't even in the ballpark of being competitive in this scenario?

 

[Tahoe Ray]

What am I missing on Assurity because they aren't even in the ballpark of being competitive in this scenario?

You're not missing anything.

They are not competitive for this case.

 

[WinoBlues]

View attachment 7279
First page of the quote, started with the lowest premium. should be able to give you an idea. Some carriers care about tobacco some do not care that much.

Pretty. Much all the same quote. Compare inherent benefits and ease of use.

 

[myinsurebiz]

What am I missing on Assurity because they aren't even in the ballpark of being competitive in this scenario?

Only $66 more a month and easy to work with. Simple Eapp and issued in a few days - non med.

 

[WinoBlues]

Only $66 more a month and easy to work with. Simple Eapp and issued in a few days - non med.