Zach
Expert
- 67
Will any term product touch this? What are some carriers that are pretty good with accepting this? As always thanks!
Term Products for Cystic Fibrosis?
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classymike85
New Member
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- 4,138
Improbable. These guys die in their 20s usually.
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Zach
Expert
- 67
I have someone that is 48 now so they're blessed.
kpbdy99
Super Genius
- 158
Maybe an accident-only policy?
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- #6
Zach
Expert
- 67
There's a couple FE companies that will accept it.
- 4,621
I think there were major treatment advancements in last year, pushing life expectancy to over 50. A guy I work with son is receiving these new treatments.
Not sure if this is too new or changes any term underwriters ability to approve or not.
- 4,138
You're right, life expectancy is bumped to around 50. It used to be 25-36.
However, underwriting for life insurance? Still going with improbable. It's a degenerative chronic condition that causes ongoing hospitalizations.
Maybe dude got a lung transplant... I don't know.. but it's a hard sell to get an insurance company to sign off on a condition that puts an insured in the hospital for respiratory issue more commonly than most people.
I think your best bet is GI, but even if you do find a carrier, prospect is getting rated to hell
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- #9
Zach
Expert
- 67
I have that AmAm, RNA, and Prosperity will take it level. I'm going to call them and check with them though.
- 4,138
Yeah, I'd definitely do a quick quote first.
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