A family I work with has a 35 year old member with a long standing mental disability (he is mute) receiving SSDI who is otherwise physically healthy. His disability knocks out simplified issue products, and most GIWL starts at 40-50 (I have sold both Mutual of Omaha and AIG). As of today, who has a guaranteed issue for $10,000 in Massachusetts for someone his age? I have heard Senior Life does, but have also heard rumors that they are a sketchy company.
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