Dear Agents..

 
Dear and dearest agents,
I'm writing all of you, collectively, to give you simultaneous access to my desires, as well as timely knowledge of the feedback of proposals each of you may give. Despite my more personal contact with several of you, I promise that any decision I make will be determined on my immediate insurance and financial aspirations than any present or future sentiments I'd have for any of you earnest people.

TO THE POINT:
I have two goals. One is for the period through the end of 2025 and the other being for beyond 2025. In 2026, short of any change in revenue, my income and financial options will be more constrained. Compound that overview with my own actuarial possibilities in light of my age, present physiology, anatomical functioning, and clinical profile.

Physiologically and anatomically, with the exception of the post-surgical limitations in my left shoulder, I'm better than most. CLINICALLY, there are the high blood pressure's long term consequences, even with the present reading being within the margins of 130-85. I'm in a clinical     pre-diabetic status of an A1C being greater than 6.0 (presently 6.2/6.5) at 167 lbs. I'd have to be at       or lower than 155 lbs to expect an A1C to be in a clinically acceptable range for favorable insurance underwriting [Working on that!]. I'm also taking a life-long medication, XARELTO, for a hyper-clotting issue due to a lack of a counter-clotting enzyme.

Those conditions place me in a greater risk pool, already. Also, I have some follow-up lab results to clarify previous labs that were too ambiguous for any determinable diagnosis for further surgical or medical intervention. I will have the results by 9 December, and I will pass them on to you on this platform.

Those latter points combined with the former points would further limit the amount of cash value or straight term insurance I could have on myself. With my present budget, I'm willing to spend $150.00 per month on the life insurance available for my age and condition. THAT is my primary request I'm asking from all of you. If you have licenses or access to other financial instruments for which I wouldn't be constrained by age and clinical state, I'd be receptive to those possibilities.

It's preferred if you would respond here, since any new options would be provided to the others so that they might have an equivalent counter-response. I want to make a decision at the beginning of February 2022 for a March 2022 account establishment.

Thank you for your forbearance with this request.

Merlin Harper, (formally speaking!)
315-400-1752 text
757-509-8520 cell