AppMan^© Presents: "400lbs and the Policy was Not Graded"
 

64% of Americans over age 20 are either overweight or obese.

What are the chances you will need to find them Life Insurance?

Build is one of the basic life risk characteristics and one of the oldest. The Center for Disease Control (CDC) reports that in 1999-2000 15% of American children and adolescents (age 6 to 19) are overweight. For American adults, 64% are overweight or obese. Overweight condition, or obesity, is often a statistical precursor to hyperlipidemia, diabetes, cardiovascular disease, or cancer. Chances are pretty good that you will run across an overweight person who needs life insurance. With the experience and expertise that I, the AppMan, have I can help you place your next BIG case.

Case Study: Male, age 31, Non Smoker
6’0", 400lbs. – Yes, that is correct 400lbs
No other medical impairments
$100,000 10-year term
Tentative offer on Trial Inquiry: Table F Non Tobacco
Monthly premium: $79.65
Commission: 75%

The rest of the story . . .

After full medical underwriting, the actual build on the exam was found to be 6’0" and 408lbs. It was also confirmed in his medical records that he had no other medical problems.
Actual delivered offer: Table F (as quoted)
$100,000 10-year term  
Monthly premium: $79.65
Commission: 75%

The advisor placed the case and made 75% commission with an A+ carrier on what he initially thought would be a decline. Do not lose out on the potential of serving your BIG clients and earning great commission. Would you ever guess that you could find coverage for a client that weighs over 400lbs and that it would not be a graded or guaranteed issue policy?

Contact your marketing team at Financial Markets, Inc. with your case today.  They will help you find the best carrier for your case, BIG or small.

Written by: AppMan^©