Term with No Height and Weight Requirements

[Insuranceman]

I looking for a company that carries term with no height & weight requirement.

 

[m2788]

I looking for a company that carries term with no height & weight requirement.

I'm not sure about the new product. But I've seen some kind of graded term product. I think Fidelity had one, but I'm clueless about the product.

I would think that graded term products would not have limits on height and weight.

But besides trying that, every term company and product I have seen has some kind of a limit on height and weight.

 

[moonlightandmargaritas]

Have you navigated to: TermForFatties.com?

 

[SportsNut]

graded term product. I think Fidelity had one, but I'm clueless about the product.

I would think that graded term products would not have limits on height and weight.

Fidelity GDB term product does have a Ht-Wt chart... For less than 100K, the numbers are BIG. Like 5'2" - 357; 5'8" - 404; 6'0" - 437. For 100K and over the limits are much tighter, and are similar to Assurity term weights.

 

[voliosclark]

Have you considered a non-med type of product?

 

[Norwayguy]

Have you considered a non-med type of product?

Non-Med products have Height and Weight Guidelines...are you recommending that he lie on the app just because there is not a paramed? Insurance Fraud not such a great idea.

 

[souldeux]

Do you have a client on hand, or is this just something you'd like to have around?

If you've got one, what's the height/weight and the face value? It'd probably be a heck of a lot easier to shop carriers with higher limits than search for something with none.

 

[Insuranceman]

I have a client who weights 400 lbs and his wife weights 300 lbs both smokers, but have plenty on money.
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Who can hook me up with a contract with Fidelity ?

 

[LGilmore]

both morbidly obese and smokers to boot?

I really can't think of a company that wouldn't basically make it a dollar for dollar premium to DB trade off.


Insurance companies didn't get to be as big as they are by being stupid. But good luck finding a premium these folks would pay.

 

[moonlightandmargaritas]

I have a client who weights 400 lbs and his wife weights 300 lbs

I hope she stays on top.