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David Gordon

Drunk Driver for Life Insurance

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NAAIP, Please tell what to sell. 

Male, non-smoker, 36 years of age

5’ 8” 210#

No meds, no health conditions

DWI 4/14 and two DWIs in 2010

 What company at what rate class should I use for $300K of 20 year term?

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I had our underwriter work on it. Here is where we are currently:

Prudential: possible Table F
Columbus Life: declined
Principal: declined
Nationwide: declined
Protective: declined
AIG: declined
MN Life: declined
MOO: declined

Here is some other feedback:
1.      Client must wait 10 years if he admits to currently drinking
2.      Client can apply with the carriers on attached when it’s been 5 years  AND states that he is not currently drinking
3.      Client can apply for a simplified issue product

Please let us know if you have any questions.


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