APS and Contestability

[onefastpony]

I wrote a client with AmAm, yea I know their not too loved around here but that is where the client fit so that is where I put him. Anyway, I wrote his app up it was just a 9K face for 116/month.

AmAm did an APS on him after an approval on the PHI. I called and they said that something came up and they want to double check. I had been following the decision and then noticed that they had ordered another APS this time from his cardiologist.

I just got the email from AmAM that the policy was issued as applied for. Now, since the carrier did TWO APS's in order to determine if the client qualified; is there any wiggle room for the carrier not to pay if the insured passes within the contestability period? I would think not since they have already scoured his records from his PCP and his Specialist.

Thoughts?

 

[bboman23]

It would be hard for me to believe they would not pay for those reasons. But they can always look for any other reason not to pay if the client dies in the first 2 years.

For great contracts, leads, support and training contact [email protected]

 

[jdeasy]

I wrote a client with AmAm, yea I know their not too loved around here but that is where the client fit so that is where I put him. Anyway, I wrote his app up it was just a 9K face for 116/month.

AmAm did an APS on him after an approval on the PHI. I called and they said that something came up and they want to double check. I had been following the decision and then noticed that they had ordered another APS this time from his cardiologist.

I just got the email from AmAM that the policy was issued as applied for. Now, since the carrier did TWO APS's in order to determine if the client qualified; is there any wiggle room for the carrier not to pay if the insured passes within the contestability period? I would think not since they have already scoured his records from his PCP and his Specialist.

Thoughts?

They will move mountains to not pay the claim during contestability.

 

[bboman23]

They will move mountains to not pay the claim during contestability.

Exactly. They might not use this excuse, but they will find another. "Oh I am sorry, we can't pay this claim...one of the I's on the application you forgot to dot. Sorry, here are your premiums back!"

For great contracts, leads, support and training contact [email protected]

 

[John Galt]

Exactly. They might not use this excuse, but they will find another. "Oh I am sorry, we can't pay this claim...one of the I's on the application you forgot to dot. Sorry, here are your premiums back!"

For great contracts, leads, support and training contact [email protected]

I hear there is a guy here on the forum who offers the following:

great contracts, leads, support and training contact [email protected]

 

[bboman23]

I hear there is a guy here on the forum who offers the following: great contracts, leads, support and training contact [email protected]

He don't know what he is doing though! I can kill some hogs though! You better get over here and get you one!

For great contracts, leads, support and training contact [email protected]

 

[John Galt]

He don't know what he is doing though! I can kill some hogs though! You better get over here and get you one!

For great contracts, leads, support and training contact [email protected]

Hey Im not kidding, as soon as it warms up just a bit I will be there. But be prepared Im gonna be sporting my combat spec ops plate carrier, 511 tactical pants, mechanix combat gloves, my kevlar combat helmet complete with cats eyes and GI googles along with a drop leg holster and duty belt carrying my Glock 21, AR mags, flashlight along with my AR15 decked out with an aimpoint red dot, flip to side 3x magnifier, and a single point sling. Those hawgs dont stand a chance!!!

 

[bboman23]

Hey Im not kidding, as soon as it warms up just a bit I will be there. But be prepared Im gonna be sporting my combat spec ops plate carrier, 511 tactical pants, mechanix combat gloves, my kevlar combat helmet complete with cats eyes and GI googles along with a drop leg holster and duty belt carrying my Glock 21, AR mags, flashlight along with my AR15 decked out with an aimpoint red dot, flip to side 3x magnifier, and a single point sling. Those hawgs dont stand a chance!!!

No problem. I'll be in shorts and a Tshirt. I only have to be able to out run you!

 

[Mavrik]

Hey Im not kidding, as soon as it warms up just a bit I will be there. But be prepared Im gonna be sporting my combat spec ops plate carrier, 511 tactical pants, mechanix combat gloves, my kevlar combat helmet complete with cats eyes and GI googles along with a drop leg holster and duty belt carrying my Glock 21, AR mags, flashlight along with my AR15 decked out with an aimpoint red dot, flip to side 3x magnifier, and a single point sling. Those hawgs dont stand a chance!!!

You've applied to be on Preppers haven't you? What will you list as your reason for prepping?

 

[pcbinsurance]

Just give me a Bushmaster with a .450 cartridge. One shot = dead swine. Galt will still be dressing up and preparing as I'm dragging 200 pounds of pork to the truck.