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Posted on 12/19/18 at 9:03 pm to Janky
What about a 42 year old in horrible health? Everything has been broke at least once, a lot of metal as well. No tobacco.
Posted on 12/19/18 at 9:09 pm to Marlbud
Broke doesn’t matter for the most part. Broke doesn’t kill normally. Now, if you were looking for disability or LTC it would matter much more.
Posted on 12/20/18 at 4:05 am to 632627
quote:
any of the carriers have more lax underwriting? Ie. Would one carrier sometimes rate preferred for a risk that most other carriers would quote as standard?
Lincoln has a TermAccel product that is pretty streamlined if $1mil and under.
Answer some questions, maybe take a physical depending on your answers, and it’s issued!
Posted on 12/20/18 at 9:22 am to Janky
quote:
I have been holding an insurance license since 2000 although I don’t sell it anymore. Yes, certain companies are more agressive in their underwriting. Some are better for say high cholesterol while some are better for certain age groups. That is why finding someone who isn’t captive is important.
agree with this. i have 2 policies, prudential and protective. for the first one, i had a hard time due to high overall cholesterol, but with a great ratio. i took 3 tests and went with prudential ultimately. the prices don't vary much between the categories, but each co has a wide variation of how they slot you in the categories.
protective's medical was pretty thorough, but i did get their preferred rate as well.
Posted on 10/14/19 at 6:29 pm to 632627
My brother in law and I were discussing life insurance over the weekend, and we were way off in our thinking of what his desired policy would cost. Could y'all settle this for us? 45 year old tobacco user, 20 year term. Ballpark idea of what it would cost?
Posted on 10/14/19 at 8:23 pm to Belly
For $1million? I’ll guess $940
Posted on 10/14/19 at 9:00 pm to LSUtoOmaha
Oh sorry, forgot to mention $250k death benefit. So somewhere around one-fourth of $940 is your new guess?
Posted on 10/14/19 at 9:19 pm to Belly
you can ballpark that number.
Posted on 10/15/19 at 9:07 am to Belly
Sure, ill guess $250 for the year.
Posted on 10/15/19 at 9:21 am to Belly
Assuming Tobacco-User means cigarettes and not smokeless tobacco, and he would be rated Standard otherwise:
AIG - $1,739
Pac Life - $1,777
Prudential - $1,830
Principal - $1,960
Protective - $2,035
FYI, a Non-Tobacco policy runs ~$581. Don't smoke kids.
(Prudential and Lincoln will underwrite dip users as Non-Tobacco users for any one who falls in that boat.)
AIG - $1,739
Pac Life - $1,777
Prudential - $1,830
Principal - $1,960
Protective - $2,035
FYI, a Non-Tobacco policy runs ~$581. Don't smoke kids.
(Prudential and Lincoln will underwrite dip users as Non-Tobacco users for any one who falls in that boat.)
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