Impaired Risk

[bluemarlin08]

Looking for 2,000,000 term for a 45 year old NS, gastric by pass 4 years ago, one BP med, one Chol med, 5"10, 400#.
We have tried Banner, WC Pru, ING, Gen, anyone have any suggestions?

 

[dgoldenz]

Gastric bypass 4 years ago and still 400 pounds? What were they before the bypass? At 400 pounds I would think there would be more medical issues than just one BP and one cholesterol med.

 

[lifeinsuranceguy]

You should have your GA summarize the clients health (as you did above) and send it out to all carriers as an informal. 5'10/400 lbs though puts them outside most carriers guidelines.

 

[bluemarlin08]

First thing I did.

 

[Winter_123]

Looking for 2,000,000 term for a 45 year old NS, gastric by pass 4 years ago, one BP med, one Chol med, 5"10, 400#.
We have tried Banner, WC Pru, ING, Gen, anyone have any suggestions?

Wow, that makes the Table H offer I got back on a client this morning look good.

I dont see it working anywhere but I know you are doing your duty to the client to be able to say that you have left no stone unturned. I do like to talk to the underwriters at Mutual of Omaha about overweights because they do pretty well with weight issues and give you the straight scoop, and I know that they will take someone who has a gastric bypass if the results were good. Unfortunately, not so here.

Good luck.

 

[Mark]

Looking for 2,000,000 term for a 45 year old NS, gastric by pass 4 years ago, one BP med, one Chol med, 5"10, 400#.
We have tried Banner, WC Pru, ING, Gen, anyone have any suggestions?

If a company would take him, he would not want to pay for the table rating. 5"10 the max is about 290 with most companies out there today.

He can only get a graded death benefit at this time. I have the feeling he has some more health issues wrong with him also.

 

[bluemarlin08]

This is a case from an investment firm that sends some of their insurance cases my way, graded benefit is all that is available.

 

[psrayburn]

Does Empire General still do impared Risk cases, if so give them a try.

I got coverage on my 34 yr old smoker brother in law, 2 heart attacks, and insulin dependent diabetic since birth.

Good Luck

Scott

 

[bluemarlin08]

Empire General has been merged into West Coast Life.

 

[djs]

Group life... not sure you'll get the $2M, but it might be a guarantee issue in your state.

Is he self employed? Could he qualify for his own group life plan?

Dan