underwriting

[Bill Conner]

hi
I have a client female age 65 NS. She wants 30000 permanent coverage. Her issues are cancer on leg 18 years ago. Full recovery. She has been diabetic for 10 years. Currently takes medication. It is well under control. Any ideas on a carrier that may offer a decent rate under these circumstances ?

 

[jdeasy]

Anyone you want to write with.

 

[WinoBlues]

hi
I have a client female age 65 NS. She wants 30000 permanent coverage. Her issues are cancer on leg 18 years ago. Full recovery. She has been diabetic for 10 years. Currently takes medication. It is well under control. Any ideas on a carrier that may offer a decent rate under these circumstances ?

She could probably do well with a fully underwriten policy. Depending on the rest of the information.

 

[Jccwell]

She could probably do well with a fully underwriten policy. Depending on the rest of the information.

For a diabetic on meds, who would you use for fully underwritten?

 

[WinoBlues]

For a diabetic on meds, who would you use for fully underwritten?

If well controlled I have had good results with Protective on GULs, if small Whole Life I would try Assurity or Cincinnati Life. Both go down to very small face amounts and typically out perform FE on non forfeiture.
I haven't written them in a while but UHL's 20 year ROPTerm with RdPdUp option was great also.

Edit: just looked at the original post. Age 65 is a no go on the ropterm

FE is a quick in and out option. Just not my first option.

 

[Jccwell]

If we'll controlled I have had good results with Protective on GULs, if small Whole Life I would try Assurity or Cincinnati Life. Both go down to very small face amounts and typically out perform FE on non forfeiture.
I haven't written them in a while but UHL's 20 year ROPTerm with RdPdUp option was great also.

Edit: just looked at the original post. Age 65 is a no go on the ropterm

I avoid the ULs. No table rating on Cincy or Assurity for diabetics?

 

[WinoBlues]

I avoid the ULs. No table rating on Cincy or Assurity for diabetics?

Just curious, why do you avoid GULs?

 

[Jccwell]

Just curious, why do you avoid GULs?

Prefer to write whole life

 

[WinoBlues]

I avoid the ULs. No table rating on Cincy or Assurity for diabetics?

Just a general FYI - I call Assurity on a 49 yo diet and exercise well controlled DM, A1c 6.7, and asked about a 65 yo well controlled, 1000mg Metformin, A1c unknown.

Answer for both was possible Std to T1.

At least that is what the underwriter said, in practice, who knows.