I have a guy that wants to buy a $250k term policy with no exam and it looks like American Amicable is the only company that will do it at age 66. He lives near Fort Meyers FL but is willing to travel a bit to meet up with an agent to get the app done. I told him they require face-to-face sales and he's fine with that. The premium will be $236-407/month depending on whether he qualifies for Preferred or Standard and whether he takes the 10-year or 15-year term. Very good health, only issue is a father that died of heart disease at age 49, not sure if that disqualifies him from Preferred with
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