Americo Ultra Graded for Hepatitis?

[MattNewbie]

Graded II plan? Is this possible? The exclusion for liver disease hepatitis is in the Part 2 list of qualifying questions.....can somebody clarify?

 

[TDFnCali]

Graded II plan? Is this possible? The exclusion for liver disease hepatitis is in the Part 2 list of qualifying questions.....can somebody clarify?

Im not exactly sure what you are asking....but if your client has hepatitis, use RNA they dont even ask about it. And NEVER use anything but UPI from Americo...everything else is INSANELY over priced!

Ive found RNA's new niche ^^^ !!

 

[TPAAgent]

Graded II plan? Is this possible? The exclusion for liver disease hepatitis is in the Part 2 list of qualifying questions.....can somebody clarify?

Put them through Express Issue with UHL- it's cheapr than the Protector II and pays a higher comm

 

[GoCubsGo]

Im not exactly sure what you are asking....but if your client has hepatitis, use RNA they dont even ask about it. And NEVER use anything but UPI from Americo...everything else is INSANELY over priced!

Ive found RNA's new niche ^^^ !!

Isn't hepatitis Liver Disease? I thought so and it's a two year kick out for RNA.

 

[MattNewbie]

YES, this is exactly my point, RNA excludes liver disease in Section II, 2 year lookback - "Proposed insured is not eligible for ANY insurance!" But if they were diagnosed 30 months ago, does that mean RNA will cover them? Is this true that UP II and III are insanely overpriced? Problem is more that they're like an ROP plan to me with 10K limit - UPIII especially as a GI product, like WHAT'S the point already.

 

[GoCubsGo]

YES, this is exactly my point, RNA excludes liver disease in Section II, 2 year lookback - "Proposed insured is not eligible for ANY insurance!" But if they were diagnosed 30 months ago, does that mean RNA will cover them? Is this true that UP II and III are insanely overpriced? Problem is more that they're like an ROP plan to me with 10K limit - UPIII especially as a GI product, like WHAT'S the point already.

RNA will cover them if they have had NO treatments of any kind in the last 2 years and haven't been told they need a liver transplant.

 

[TDFnCali]

YES, this is exactly my point, RNA excludes liver disease in Section II, 2 year lookback - "Proposed insured is not eligible for ANY insurance!" But if they were diagnosed 30 months ago, does that mean RNA will cover them? Is this true that UP II and III are insanely overpriced? Problem is more that they're like an ROP plan to me with 10K limit - UPIII especially as a GI product, like WHAT'S the point already.

Oh my bad, but yeah there's no scenario I've ever had or could think of to use UPIII or III... EVER!

Sent via my Sprint Galaxy S4 using Insurance Forums

 

[MattNewbie]

MustfastPitch - CORRECT on RNA!
Re: Americo, Having hepatitis STILL leaves them still eligible for Graded Ultra II plan with up to max 30K face amt! Sounds pretty good to ME, man!

 

[GoCubsGo]

I would look at Forethought, they would be graded and cheaper then Americo

 

[TwiLight]

Put them through Express Issue with UHL- it's cheapr than the Protector II and pays a higher comm

The only thing you have to look out for is the knock out question for Express Issue: "Other than for temporary or minor conditions, have you been hospitalized two or more times?"

If not, than yes.