Broker in California

[KaseyNM]

Hey, I'm looking for somebody near Morongo Valley that I can pawn my mother-in-law off on.

She just went on disability retirement, and she's paying $58 a month for $25,000 of life coverage.

She wants me to see if I can find anything that would be cheaper for her, and she wants to make sure that she doesn't outlive the policy. So we're looking at a burial policy, or really cheap permanent policy.
Here comes the fun part, she's in her mid 50s, has CML, a form of cancer, and she's a wee bit chubby. I'm guessing 5ft3, 160
Any takers?

Pretty much a dream client here...

 

[WinoBlues]

Hey, I'm looking for somebody near Morongo Valley that I can pawn my mother-in-law off on.

She just went on disability retirement, and she's paying $58 a month for $25,000 of life coverage.

She wants me to see if I can find anything that would be cheaper for her, and she wants to make sure that she doesn't outlive the policy. So we're looking at a burial policy, or really cheap permanent policy.
Here comes the fun part, she's in her mid 50s, has CML, a form of cancer, and she's a wee bit chubby. I'm guessing 5ft3, 160
Any takers?

Pretty much a dream client here...

She is probably best to stay where she is. I am assuming this is WL and not term. There _may_ be some options to reduce the face. However, a lot is going to depend on the CML.

I am 5 hours from her but would be happy to talk to her. If she decides to move I could do it all by mail.

Lee

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PS... If there is an agent local to her a F2F policy review may be best..

Lee

 

[GreenSky]

Wino is the expert but next weekend I'll be spending 3 days in Beaumont. So if anything needs F2F, I'm already there and can do it for him.

Yeah, this is the life!

Rick

 

[WinoBlues]

Wino is the expert but next weekend I'll be spending 3 days in Beaumont. So if anything needs F2F, I'm already there and can do it for him.

Yeah, this is the life!

Rick

That works perfectly.

 

[KaseyNM]

Thanks guys!

Yes, its American Fidelity WL. She's in yr 5, so paid up insurance is only $3775 at this point. (CV $1325)
I could kill her / the agent for not selecting the Waiver of Premium rider when the policy was written.

This policy is what she wants - not leaving my husband/us with the cost of paying for her funeral, she's just wondering if there is a better (she means cheaper) option out there.

I'm not licensed in CA, and I don't write these type of FE policies, so I'm pretty clueless. If anyone could quote her a cheaper policy, she'd be all ears. I can PM her phone # to you if you'd like.