who sells a whole life single premium for age 86?

Submitted by nataliedutton on Thu, 10/02/2008 - 16:17

I need a single premium whole life age 86 average health. appointment is on thursday. NS and average health 3 meds

Posted: 03 Oct 2008 08:31 Post Subject:

I'm sure that the life agents of this forum will be shortly around with suggestions.

However, there are policies available that allows coverage till the age of 100. I can think of Max New York Life right at this moment, but there may be some other companies available as well with such policies. Its worth searching for.

Posted: 03 Oct 2008 11:10 Post Subject:

The seniors can avail guaranteed life plans which come without medical tests, ie the applicant doesn't have to undergo the process of medical underwriting.

With age the life insurance premium may increase dramatically. Hence, often times the seniors may face problem in finding proper life coverage. However, some of the states require the life insurance companies to offer guaranteed life coverage policies to senior citizens. These policies are cheap but also offer lower life coverage.

Posted: 03 Oct 2008 11:24 Post Subject:

Life insurance at the age of 86 may be available but surely the premiums are going to be really high. Let me also tell you my friend, that you can get a whole life insurance only if you are in the best of your health. Well if you want a decent rate, you need to do some serious shopping.

Hope I've been able to help :)

Posted: 22 Oct 2008 02:19 Post Subject:

I can only assume this would be for a wealth transfer situation right. Assuming that I believe Baltimore Life has one which is written standard to table 4. I'll check though

Scott

Posted: 21 Nov 2008 09:48 Post Subject:

I fully understand that this post is a little late but the information is still good to know.

Most carriers offer single premium life insurance for 86 year olds. Although they offer whole life policies it will always be cheaper for you client to buy a guaranteed universal life policy.

This does sound like a wealth transfer situation. depending on the size of your clients estate you will want to make sure they have the proper trusts and estate planing in place.

Let your insurance broker shop this case for you and always try to go full underwriting. It will almost always be cheaper (unless your client in uninsurable) then a quick issue policy.

Posted: 23 Nov 2008 05:36 Post Subject:

nataliedutton,

I realize this message might be a little late but, most of the big insurance companies will underwrite a policy like that. Met, Pru, Guardian, Mass Mutual, maybe even Allianz. You'll have to go through their case design team because this isn't something that's done with any regularity. I wrote a couple policies earlier this year that were very similar to the one you asked about.
Good luck

Posted: 23 Nov 2008 02:30 Post Subject: insurance

Isn't it MORE difficult to get Life Insurance ( or ANY kind of insurance, for that matter..) the older you get? I'm not putting ANYONE down, by their age...I'm jusy saying wouldn't that be almost like a 'high risk' thing for the insurance company?

Posted: 23 Nov 2008 08:17 Post Subject:

Hey SD,
It is a high risk for the insurance company. The underwriter's job is to calculate those risks and establish a premium. The MUCH greater risk would be to die with a huge estate and NO insurance. The insurance is there to to offset (or cover) the tax liability. If a plan is not in place, the money comes out of the estate and the pockets of the beneficiaries - not a good thing.

Uncle Obama says, "spread the wealth." There are millions of people in Kenya who need our hard-earned dollars.

Posted: 24 Nov 2008 05:11 Post Subject:

Uncle Obama says, "spread the wealth." There are millions of people in Kenya who need our hard-earned dollars.



Certainly so!! :wink: :lol:

Isn't it MORE difficult to get Life Insurance ( or ANY kind of insurance, for that matter..) the older you get?



Anyway, SD, infact I've seen some of the agents specially tapping the senior market for life insurance. The single premium policy that the seniors can get would offer very little death coverage as compare to the premium paid. The chunk of the premium paid will go towards investment since liability reduces with age (i.e. one might not need the coverage to protect the interest of his family/children). The purpose of these plans is to build asset that would cover the estate tax, funeral expenses and such other.

Posted: 24 Nov 2008 09:44 Post Subject: insurance

OHHHH!!...I catcha now!! Make sense!! Just my thinking of it would be if the insurance company (whatever the consumer goes through..) would try to 'scam' the consumer into a much higher payment. Also...if these insurance companies ARE "investing" our money, shouldn't we have a right to know where the money is going?! Fair question, I think.

Posted: 25 Nov 2008 06:37 Post Subject:

shouldn't we have a right to know where the money is going?!



Sure, you have every right to know about the funds you are investing in, in fact, the agent should clarify the different portfolios available along with the amount of risks associated with each kind of fund while explaining the pros and cons of the plan to the client. The company may also send regular updates on performance of the funds to the customers.

Posted: 26 Nov 2008 09:04 Post Subject:

I am not sure what you guys mean by funds. It would not be advisable to purchase a variable product for an 86 y/o. Especially if it is to be used for estate planning. Obviously if you buy a VUL you will get a statement of the fund you have invested in and there performance, etc. If you buy a UL then the premiums will be used to pay the M&E and the remainder will be invested in an interest bearing account which will also be shown on the statement.

Posted: 01 Jan 2009 06:23 Post Subject:

Just to name a few, Genworth, AIG, John Hancock and Prudential.

Posted: 23 Feb 2011 07:10 Post Subject:

New York Life does not sell insuranse to people age 86

Posted: 05 Mar 2011 08:42 Post Subject:

A friend of mine complains about how high his insurance premium is. He got his insurance at the age of 40. I can only imagine how much higher it will be for people who are in their 80s!

Posted: 29 Mar 2011 01:35 Post Subject: age 86

I just saw this post the problem is your age, most insures don't take people age 86. The cut off is age 85, there is a few companies that will take you up to age 90.... however they will not give you a single premium whole life. The problem is your life expectancy, the company has trouble giving insurance to people who are above avg life expectancy.... A male lives to age 72 and a female lives to 78, you are lucky and have outlive the statistics.

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