Best Company for Liberal Underwriting?

[Funguy]

Hey guys,

My question is which is the best company for helping people who may have health issues.

A company with liberal underwriting or better rates for people with health issues.

Regards,

Funguy

 

[HoosierLife]

Hey guys,

My question is which is the best company for helping people who may have health issues.

A company with liberal underwriting or better rates for people with health issues.

Regards,

Funguy

Vantis or Gerber. GPM for heart attack within 2 years is graded. SNL does a ROP plan that pays much higher than std GIs, but they can only answer 4 questions yes.

 

[donamese]

It would depend on the issue itself, severity, duration, etc. One company may be liberal with diabetes but strict on heart conditions then vice versa.

 

[Rearden]

FE is unique as you need to have a cross-section of carriers to work with, as underwriting guidelines vary dramatically, case by case.

My top picks as of August 2013 are:

-5Star -- no diabetes + heart history knockout.

-Monumental -- COPD Immediate niche; obese niche.

-Standard Life / Lafayette Life -- low-price leader replacement niche.

American Continental -- Funky MIB results niche.

Gerber / Vantis -- Almost dead niche.

 

[HoosierLife]

FE is unique as you need to have a cross-section of carriers to work with, as underwriting guidelines vary dramatically, case by case.

My top picks as of August 2013 are:

-5Star -- no diabetes + heart history knockout.

-Monumental -- COPD Immediate niche; obese niche.

-Standard Life / Lafayette Life -- low-price leader replacement niche.

American Continental -- Funky MIB results niche.

Gerber / Vantis -- Almost dead niche.

I really hate monumental though. I'm thinking of using Settlers silver for those folks more.

 

[Funguy]

Thank you all for your responses.

 

[RichMcK]

I really hate monumental though. I'm thinking of using Settlers silver for those folks more.

I'm not having that much trouble with Mon. When they changed over to the new app etc. I could not figure out the Accelerated Death Benefit for Ohio, which cause me two amendments. The last ten apps that I've written with them have yielded NO amendments.

 

[bboman23]

I'm not having that much trouble with Mon. When they changed over to the new app etc. I could not figure out the Accelerated Death Benefit for Ohio, which cause me two amendments. The last ten apps that I've written with them have yielded NO amendments.

Just wait, its coming

 

[ocortez]

Hi...ive seen several posts about not liking monumental. What is the main rason behind it? Ive worked with monumental for a long about 2 years and have not had a single issue with them. They approve my policies within 2-3 biz days....any info?

 

[bboman23]

Hi...ive seen several posts about not liking monumental. What is the main rason behind it? Ive worked with monumental for a long about 2 years and have not had a single issue with them. They approve my policies within 2-3 biz days....any info?

You have been lucky!