Diabetes 1st day coverage..

[Colie06]

Hello everyone.
Does anyone know of a provider who would give first day coverage for 30 yr old male on insulin?
Preferably Term ..
Looking online but I know I can get faster answer here..
I need to sign up with more companies.
I have another client, female 55 with MS and she wants like 1 million in coverage..

Please Help

Thank you

 

[10X]

United Home Life will do a 20-year term with their Simple Term DLX product.

 

[Colie06]

United Home Life will do a 20-year term with their Simple Term DLX product.

I'm going to try them out. Need to get contracted first.
Thank you

 

[10X]

With insulin use, the max face value will be $50,000. PM me if you want the rate on that face value/age before you get contracted.

 

[VolAgent]

Does he have any complications yet?

 

[billyb]

A carrier like Banner would be cheaper even if table rated. I have had some diabetics get standard if they are well controlled.

 

[WinoBlues]

I just placed my first DLX on a young guy that 'forgot' his license was suspended. He is in one state, the owner and payor in

A carrier like Banner would be cheaper even if table rated. I have had some diabetics get standard if they are well controlled.

I like Banner also. On term I also like Protective Choice TUL. Banner can be very DM friendly. However, insulin 30 year old for a 20 year $50,000 policy? The few dollars difference vs getting one issue paid before the paramed is scheduled? And in my case mom as owner payor son in a different state. To many hoops.

 

[Colie06]

Does he have any complications yet?

Nope, no complications

 

[Colie06]

I just placed my first DLX on a young guy that 'forgot' his license was suspended. He is in one state, the owner and payor in


I like Banner also. On term I also like Protective Choice TUL. Banner can be very DM friendly. However, insulin 30 year old for a 20 year $50,000 policy? The few dollars difference vs getting one issue paid before the paramed is scheduled? And in my case mom as owner payor son in a different state. To many hoops.

Same exact scenario. The mom wants to own/pay she lives in SC the son lives in Baltimore. Im only contracted with 3 companies at the moment, United Omaha, Settlers and Occidental. I need more companies so I can help everyone. \
Oh and pardon my ignorance but what it DM friendly mean?

 

[WinoBlues]

Same exact scenario. The mom wants to own/pay she lives in SC the son lives in Baltimore. Im only contracted with 3 companies at the moment, United Omaha, Settlers and Occidental. I need more companies so I can help everyone. \
Oh and pardon my ignorance but what it DM friendly mean?

Sorry - Diabetes Mellitus = Diabetes = My own quote sheet shorthand.

United Home Life term: I like their ROP Term. I was better a few years ago, but all the ROP terms were. It can be a good FE alternative.
Example from 5 years ago: Female age 59, N-T, 5' 11" 180#s, 4 meds for HBP, Goal = income for her 29 yr old son. Solution - $75,000.00 twenty year term @ $157mo @ age 79 she has a choice of ROP= $33,725. or RdPdUp policy of $63,943. Note: she has a SIWL and a GUL with me also and doing another GUL now.

So if you contract with them for this one case there may be another use for them. For me the online app is important.