Americo Ultra Graded for Hepatitis?

[TDFnCali]

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.

Been so long since I've used UHL, do u have to do the PHI for their EI?

Sent via my Sprint Galaxy S4 using Insurance Forums

 

[GoCubsGo]

UHL is ROP if treated in last 2 years, same as Americo. If no treatment in 2 years you could probably go anywhere. Otherwise look at Forethought where you can maybe get graded and not have to go ROP.
- - - - - - - - - - - - - - - - - -

Been so long since I've used UHL, do u have to do the PHI for their EI?

Sent via my Sprint Galaxy S4 using Insurance Forums

Yes. At the time or they will call later.

 

[TDFnCali]

- - - - - - - - - - - - - - - - - -

Yes. At the time or they will call later.

I wasn't sure if the PHI was just for the Deluxe & Premier or not... So it's on all 3, but no PHI on the GI right?

Sent via my Sprint Galaxy S4 using Insurance Forums

 

[GoCubsGo]

I wasn't sure if the PHI was just for the Deluxe & Premier or not... So it's on all 3, but no PHI on the GI right?

Sent via my Sprint Galaxy S4 using Insurance Forums

Never written their GI but the guide says no PHI. It also says GI with no health questions but affirm that they do not have aids or an illness expected to cause death in 24 months but how do you find that out without asking heath questions? ha