Anyone Using Uhl?

[Gooner]

Read the questions...some apps ask..have you been diagnosed, treated or taken medication for ______ in the last 2 years. If he hasn't, then you're good to go

 

[rousemark]

of course I understand that and he says hes on no such meds / I agree it may be a bit of a headscratcher but im not a doctor who knows all the ins and outs of hep virus---there are many HIV positive without AIDs but they ask the question to include them both---------a carrier should ask the questions based on their intent, of course I wouldn't write him with a carrier than specifically asks about hep-------it may be grey area but we shouldn't have to try to interpret their intent based on a vague wording of a question--------I'm generally pretty conservative in field underwriting but if a carrier wants to protect themselves fully then ask the questions with more specificity the way their competitors do to cover themselves

Galt is thinking along my lines, rightly or wrongly---------elaborate Galt

Many victims with acute Hepatitis do not take medication.. One thing that makes a big difference is the type of hepatitis.. C seems to be the virulent and the majority that have Hep C have chronic hepatitis which leads to liver cancer and cirrhosis. Some types of Hep can be prevented by vaccines and even be cured if contracted, not so with Hep C. Those are the reasons some apps ask specifically about Hep C.

 

[TwiLight]

some of these companies should be more definitive and specific in their health questions------foresters asks " complications of diabetes"----- if others want to want to be more vague on some questions at least have a RX guide to take some of the guesswork out of field underwriting--UHL doesnt

I got a man who says he has been diagnosed with hep for years, is not on meds and he specifically said BUT IT HAS NOT GONE INTO MY LIVER------so im looking at questions on apps exactly as they are written------most carriers actually mention Hepatitis------------RNA doesn't but asks about "liver disease", maybe their intent is to not take anyone with hep and if so they should refile with more defined health questions------reading their app as written I don't feel that uncomfortable with writing the guy RNA with hep and no meds and his claim it hasn't gone into my liver ( I would alert him to 2 year contestability)----------carriers should have questions specific to their intent and not vague ones

any thoughts anyone on this hep prospect?

RNA questions are Specific to Chronic Liver Disease. Anything Treated or Diagnosed in the past 2 years "including Hepatitis" would be declined.

No meds or diagnoses of HEP in the past 2 years would be level with RNA as it would not be considered Chronic.

Skipper

 

[John Galt]

of course I understand that and he says hes on no such meds / I agree it may be a bit of a headscratcher but im not a doctor who knows all the ins and outs of hep virus---there are many HIV positive without AIDs but they ask the question to include them both---------a carrier should ask the questions based on their intent, of course I wouldn't write him with a carrier than specifically asks about hep-------it may be grey area but we shouldn't have to try to interpret their intent based on a vague wording of a question--------I'm generally pretty conservative in field underwriting but if a carrier wants to protect themselves fully then ask the questions with more specificity the way their competitors do to cover themselves

Galt is thinking along my lines, rightly or wrongly---------elaborate Galt

I know for a fact you are good to go. Ive written hep c with RNA.

 

[yabadabadoo1026]

I know for a fact you are good to go. Ive written hep c with RNA.

Thats good to hear as confirmation of how i plan to proceed -,arent I getting differing opinions from you and twilight---the no meds must be what's getting it thru---ap says " liver desease" and would think such would suggest meds being needed--if Rna don't want hep exposure they should write their question as other carriers do so it's black and white / not grey

 

[Birdman300]

Yes!!!! you can depend on life insurance from United Home
Life and United Farm Family Life to provide an income tax-free
benefit.

Other than the income tax-free benefit, what is their niche?

 

[Gooner]

Yes!!!! you can depend on life insurance from United Home Life and United Farm Family Life to provide an income tax-free benefit.

So how is that benefit different from any other life insurance policy??

 

[Birdman300]

So how is that benefit different from any other life insurance policy??

I was thinking the same thing.

 

[John Galt]

Thats good to hear as confirmation of how i plan to proceed -,arent I getting differing opinions from you and twilight---the no meds must be what's getting it thru---ap says " liver desease" and would think such would suggest meds being needed--if Rna don't want hep exposure they should write their question as other carriers do so it's black and white / not grey

You are correct sir on the meds.

 

[TwiLight]

Thats good to hear as confirmation of how i plan to proceed -,arent I getting differing opinions from you and twilight---the no meds must be what's getting it thru---ap says " liver desease" and would think such would suggest meds being needed--if Rna don't want hep exposure they should write their question as other carriers do so it's black and white / not grey

If you call RNA for a risk assessment, you will get what I said Verbatim. They do not want "Active" Hep C that is being treated. Any Treated Hep C is a Chronic Liver Condition which will be denied based on their application.

If there has not been treatment/meds for Hep C in past 2 years and has not been diagnosed in 2 years than it is not Chronic and you can get it issued with RNA.

Skipper.