59 YO Male 2-year Post Prostatectomy
- Thread starter DEGRI
- Start date
- 781
try mutual of omaha
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- Thread starter
- #3
I have to call MOO underwriting. I am not sure of the 2 year post op...didn't know if anyone was aware of a company that accepts off the top of their head. BTW, I am available after 2pm Eastern today if you want to talk.
- 781
get clients Gleason Score, his PSA before & After....
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moo is a 2 year wait, thats what they told me a while back.
call an underwriter.
They will be issued standard at best, or maybe a rate up.
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moo is a 2 year wait, thats what they told me a while back.
call an underwriter.
They will be issued standard at best, or maybe a rate up.
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- 18,984
Companies that ask for the last 24 months; RNA, AmAm, AmCon, 5 Star.
I'm sure there are more. Those are just sitting on my desk.
Monumental will offer a graded policy as will Liberty Bankers life and Transamerica Provider Series. All of these policies are graded 2 years - beats 3 years for GI. Hope that helps
- 18,984
salesystem101
New Member
- 9
are you an independent agent? There are other companies out there like Columbian life that will offer a program for your client but you have to be with an IMO to get a good contract with.
Look into them, they might have a solution for your client.
Look into them, they might have a solution for your client.
- 18,984
I would almost bet that this case was handled over a year ago.
No doubt the case was handled a yr ago... but since the subject has been broached here by reviving an old post let me give some info on u/w for prostatectomy; [removal of prostate due to CA].
I've been successful on several of these cases... placed them both with West Coast Life, now Protective Life, but other companies will match these results. Essentially 90 days after prostatecomy, with a PSA test of <.002 meaning negligible PSA reading [which is the norm with successful removal], the immediate benefit term, UL or WL policy with Table D, meaning double the Std rate. Surprised at all the talk about graded, etc., because this case placement is a slam dunk... 90 post surg, and those that get the covg are both surprised and elated.
In fact 2 yrs post surg you might be looking at a Std rate. I actually forget how long u/w wanted following surg in order to issue at Std rate, but it wasn't all that long since survival rate of Prost is remarkable and almost a non-factor 2 or 3 yrs out as long as PSA reading is nil and no other development of spread of disease.
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