1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    There are plans available for anyone.  Usually if a person is in very bad health there will be a graded death benefit for the first two or three years.  The healthier you are the better your rates.  If a person is very healthy that person can get preferred rating.  If a person has Aids or some other serious disease they would have to go guaranteed issue and pay higher rates.
    Answered on July 3, 2013
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