Hi, any sifu can recommend non medical underwriting life insurance?

My wife is SLE patient, rejected by AIA and Allianz for life insurance.

Thanks.

Ya, we already give up the medical insurance. Can recommend few good non-medical underwriting life insurance plan?

Eh, both agents also just show me a letter said application rejected.

38, normal for daily life, under long term medication.

Hi all,

I'm 40 for next bday, BMI 32, taking high blood pressure and cholesterol medicine.

Current with AIA ILP with 90K annual, life time unlimited. Thinking to increase my annual limit cover by apply for Deductible medical card.

Would like to have some advices from all the SIFU here.

Thanks.

Because the AIA already more then 10 years, the agent said the old plan unable to upgrade, need to get a new plan.

Is get a new plan better or get a deductible card? I afraid the new plan will have high loading.

I already ask my AIA and GE agent, they said no deductible plan available.

Looking for a plan that with 30-50K deductible, so the cost can be lower... yeah, think try to apply for new plan first and see the result.

Hi all,

About the deductible card, if I choose high deductible amount due to company provide medical benefit, then what if the benefit no longer available due to policy change/change company. What can I do?

Let say I choose a card with 20-30K deductible now, I don't think I can cover the amount if 1st card not available. Please advise.

thanks for the info.

Since most ppl will get health issue when old especially during retirement, so the company might reject you due to that. Really helpless if in that situation.

AXA elife protector if I not mistaken the premium will increase according to your age and no cash value.