CASE STUDY: Adverse Family History
Client profile:
This case presented with a female, Non-smoking (NS), age 69 5’1″ 105 lbs. looking to secure $1M of UL and who was pushing the low end of the acceptable build charts, has adverse Family history, Brother deceased of MI age 26. Sister currently alive age 49, was diagnosed with ovarian cancer in 2006.
What were the challenges?
The proposed insured has a history of osteoporosis diagnosed 9/21 DEXA AP spine -1.2; Femoral neck -2.6; Total hip -1.2
What was the First American solution?
A formal application and subsequent shopping came up with standard nonsmoker offers, until one carrier offered their Preferred Plus nonsmoker rates.
What was the outcome?
Offer Preferred plus nonsmoker $1M UL annual premium $25,500.
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