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Life Insurance for Living Kidney Donor
Originally Posted by WinoBlues
(Post 636991)
Yo Monkey, How the kidney recipient be treated?
Thanks
Well, it's kind of a matrix to find their rate. Cadaver donor or living donor, client age, years since transplant, additional co-morbidities... plus the person is typically on an immumo-suppresent for life. It's all over from Decline to T-4(300%) in even a best case scenerio. (Assuming this is a life product that doesn't have tables built into it.)
Lets just say 55/male, sister donated kidney to him, transplant 3 years ago, all followup good. T-8(400%) (Swiss Re manual)
But add in coronary artery disease of any kind, diabetes even in good control, blood pressure issues, and abnormal lab results relating to kidney function - decline. You'ld need to find a guarentee issue product. Even then, we accept GI only when the Medical Director believes the client will likely live 6 months or more. Sometimes GI isn't exactly guarenteed.
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Term life insurance..
Term life insurance...
Term life insurance The first class of life insurance is known as a protection policy. It’s the most basic form of life insurance and as such also happens to be the cheapest. The basic jist of protection policies are that they offer cash payouts in the event of any particular situation. In most cases, this “situation” is the death of the policyholder. However, it can also trigger if you get sick with a terrible, life-threatening illness or are injured in a way that prevents you from working and Term life insurance providing for your family.
The typical way that a protection policy, also known as term insurance policy, will pay out is in a lump sum. While sometimes it will pay out in an annuity, the most common form is a lump sum. This is helpful because people typically need a lot of cash when someone dies, falls ill, or is injured. The lump sum provides them with that capital to take care of their loved one and cover all expenses Term life insurance .
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Doodnaught North York anesthesiologist Dr. George Doodnaught leaves court Monday, January 14, 2013. He is accused of sexually assaulting sedated patients. (Craig Robertson/Toronto Sun). Tweet. Change text size for the story; Print this story. Report an ...
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