Im working with a friend that has a past with Alcohol abuse. He's 32 years old, athletic, doesnt' smoke, and healthy. The reason Ohio National declined him and MassMutual rated him is for the alcohol. He went for treatment and now its on his record. He's been clean for over 4 years, started a family, just had a child and purchased a home. Totally got his life on track but now having a hard time getting underwritten. Any companies come to mind that might not be so rough on underwriting? Or should we look at guaranteed issue and who would be best? Thank you!!
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