Again with COPD

[stankup1]

From someone who has it and walks everyday
And lift weights at age 67, I think COPD should not always be graded or worse.However it is
Graded and the sales become harder at older ages to sell this product

 

[VolAgent]

You should read more threads on here. I can think of two companies that will take a non-smoker who isn't on oxygen as first day coverage. Another will take a non-smoker with no treatment in the last 24 months as first day coverage.

 

[The Gimp]

He can get Standard rates with Monumental

 

[rndz7]

Check your mail James.

 

[Tom Harford]

Another option to check out is 5 Stat Graded.

Pays 30% first year, 70% second year the the full face after that.

Qualification allow oxygen equipment use less than three times a week.

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[TeaJay33]

Monumental Life takes that as standard, dont rip off the client putting them on graded...

 

[Tom Harford]

No, Read my post slowly - out loud - three times.

The situation is different. In this qualifying instance the person with COPD uses oxygen OCCASIONALLY.

So, two different solutions for two different situations.

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[gordon112]

It's graded with Monumental if they have COPD and use Oxygen.