Baltimore Life Application and Rate Chart

[Rearden]

Anyone have one of these on hand they could upload?

PM me if you can't upload it and I'll send you my email address to forward it to.

Thanks in advance.


-Dave

 

[rousemark]

here is the guide.. Not all that competitive.

 

[Rearden]

Anybody have an actual Proposed Insured application?

 

[donamese]

Anybody have an actual Proposed Insured application?

Not sure if they are up to date but should be fairly recent.

 

[deadhead]

Not sure if they are up to date but should be fairly recent.

Looks very lenient on diabetics

 

[Todd King]

Here's the one for TN.

View attachment Tennessee.pdf

 

[Rearden]

For those of you with experience with Baltimore Life...

The prospect has been approved preferred smoker with this BL product.

He takes digoxin (normally prescribed for a-fib) and coreg (normally prescribed for CHF), of which he claims he has neither.

The Agent Guide says the most likely underwriting decision outcome would be the ROP product.

My question is -- did BL make a mistake? Or are they flexible on the reasons one would take these meds? Or do they flat-out reject you if you're on them?

 

[Norwayguy]

For those of you with experience with Baltimore Life...

The prospect has been approved preferred smoker with this BL product.

He takes digoxin (normally prescribed for a-fib) and coreg (normally prescribed for CHF), of which he claims he has neither.

The Agent Guide says the most likely underwriting decision outcome would be the ROP product.

My question is -- did BL make a mistake? Or are they flexible on the reasons one would take these meds? Or do they flat-out reject you if you're on them?

Meant would suggest calling the carrier with the client present and asking underwriting.

 

[MO knight LIFE pro]

Whatever happen with this one Rearden?