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@cd2 To qualify for most US based carriers, they would really need to state their intent is to live in US indefinitely. This does not mean that they won't be covered by the policy, if they do ever move out of the US. It only means at time of application, that their intent is to live in US...

@lyfia Any carrier with semi-decent rate/products will ask about any pending medical issues, so they'd all postpone you until all testing is completed and you have a definitive diagnosis. There are guaranteed issue products with no health questions, but these are only available at low amounts...

@foto2014 Best $1Million 20 year term to 49 year old that has not used nicotine or nicotine replacement in previous 12 months is $169 per month. I'm seeing Nationwide's best case $1mill- 20 year rate for you at $238 per month right now. Minnesota Life may make you best offer right now. At 36...

@carnelia If you only had 1 DWI, assuming diabetes is well controlled and diagnosed preferably within last 5 years with current A1C of 7.5 or less, considering cigarette smoking up to 1 month ago, best case $1,000,000- 10 year term rate (that wouild pay out for death by any cause) could be $249...

@gunslinger3 Illinois Mutual and Security Mutual. Ideal if blood sugar, cholesterol and BP are all good, because then credits may be available for even better offers. If you can drop 10 pounds prior to applying, this can also help to secure an even lower rate.

@gunslinger3 At 6'- 370 or with BMI up to 51.6, assuming well controlled sleep apnea, blood pressure and and all else being decent, you could qualify now at a high table rating with only a couple carriers. There is no way to adjust rate without re-applying later, but you could buy 10 year term...

@christiansworldwideweb North American Co. for Life & Health, Ameritas, Columbus Life, National Life and Transamerica are some of the term carriers that offer critical and chronic illness benefits in most States. North American is usually most inexpensive out of the above carriers for people...

@anon77777 If you want a 2nd opinion after speaking to term4sale agent, give me your age, State of residence, tell me what plan/amount and rate class you were quoted and I'll give you my recommendation. Lowest rate you see in term4sale is never likely the best value. I'd guess a lot of...

@wesleyhem Have current carrier issue the policy, and you do not have to accept it just by having them issue. The medical questionnaire you completed will be attached to policy. Any other carrier will accept that medical questionnaire along with copy of lab results to make you a new offer. You...

@gmmintro Out of those 3 carriers, Protective Custom Choice UL-term (NOT classic choice product) and Pacific have much better conversion options than Banner. For a few $s more than those 3, North American or Midland would include chronic and critical illness living benefits on their term...