Best F.E. Company for This Scenario

Normally I try to stay out of FE discussions. But if someone is going to tell me an insulin diabetic gets super preferred, I'm going to call them out each time.

I love, "uncontrolled diabetes for 10 years.." They don't put you on insulin because you are doing a good job of controlling your diabetes.

And yet by another definition, it is "controlled" because he takes Insulin to "control" it. However, if it fluctuating wildly in spite of the fact he takes insulin, then it is "uncontrolled."
 
And yet by another definition, it is "controlled" because he takes Insulin to "control" it. However, if it fluctuating wildly in spite of the fact he takes insulin, then it is "uncontrolled."

Right, it was uncontrolled, thus you were put on insulin to control it.
 
Normally I try to stay out of FE discussions. But if someone is going to tell me an insulin diabetic gets super preferred, I'm going to call them out each time.

I love, "uncontrolled diabetes for 10 years.." They don't put you on insulin because you are doing a good job of controlling your diabetes.


To this day I still cannot get over how people describe their health. it's almost as they are in a different world when it comes to their own bodies.

I met with a guy yesterday. 74 years old and a cigar smoker so I was looking to put him with Americo and get non tobacco rates. he was looking for $25000 to $30,000 coverage so I started digging into his health a little more because I was think ing RNA fully underwritten. Even at tobacco rates it would be less expensive than Americos SIWL non tobacco. He said, "my health is great, never had any heart troubles, no cancers, no stokes, nothing. I asked about meds and he said he did take a BP pill. Still, that wouldn't knock him out on the RNA so I asked him to go get it. He comes back in with 3 bottles. One is Metformin 500mg, one is benacar and one is HCTZ. I asked why he took the metformin. He said it was for blood pressure. I said, no, it's for diabetes, has the doctor not ever told you that you have diabetes? He said, "you know, he might have?":laugh:

Naturally we didn't go with the fully underwritten. But that stuff happens all the time. People seem to be absolutely clueless about what meds they take and why they take them.
 
It will all depend on what kind of effects the hear disease has caused. I have had clients tell me they had heart disease when all the really have is high blood pressure. Any strokes, heart attacks etc? If he is on insulin, has he had any other complications, and if so how long ago. I would think Royal Neighbors would work great depending on the situation, as well as Monumental

Thanks for taking me serious--I was excited to be on here until just recently. I appreciate it.
 
To this day I still cannot get over how people describe their health. it's almost as they are in a different world when it comes to their own bodies.

I met with a guy yesterday. 74 years old and a cigar smoker so I was looking to put him with Americo and get non tobacco rates. he was looking for $25000 to $30,000 coverage so I started digging into his health a little more because I was think ing RNA fully underwritten. Even at tobacco rates it would be less expensive than Americos SIWL non tobacco. He said, "my health is great, never had any heart troubles, no cancers, no stokes, nothing. I asked about meds and he said he did take a BP pill. Still, that wouldn't knock him out on the RNA so I asked him to go get it. He comes back in with 3 bottles. One is Metformin 500mg, one is benacar and one is HCTZ. I asked why he took the metformin. He said it was for blood pressure. I said, no, it's for diabetes, has the doctor not ever told you that you have diabetes? He said, "you know, he might have?":laugh:

Naturally we didn't go with the fully underwritten. But that stuff happens all the time. People seem to be absolutely clueless about what meds they take and why they take them.

People and doctors don't think about health like life insurance companies do. We think "Hey, I'm not dying today or tomorrow, everything is fine." Insurance companies think, "Ok, so will this affect his mortality away from standard by such a percentage or more?"

You should go write some term sometimes. Had a woman, GREAT HEALTH. Oh well, she is overweight, had a DUI, and scoliosis of the spine. Yeah, her health isn't so great now. Everyone was quoting her preferred, I told her she will be lucky to get standard.
 
To this day I still cannot get over how people describe their health. it's almost as they are in a different world when it comes to their own bodies.

I met with a guy yesterday. 74 years old and a cigar smoker so I was looking to put him with Americo and get non tobacco rates. he was looking for $25000 to $30,000 coverage so I started digging into his health a little more because I was think ing RNA fully underwritten. Even at tobacco rates it would be less expensive than Americos SIWL non tobacco. He said, "my health is great, never had any heart troubles, no cancers, no stokes, nothing. I asked about meds and he said he did take a BP pill. Still, that wouldn't knock him out on the RNA so I asked him to go get it. He comes back in with 3 bottles. One is Metformin 500mg, one is benacar and one is HCTZ. I asked why he took the metformin. He said it was for blood pressure. I said, no, it's for diabetes, has the doctor not ever told you that you have diabetes? He said, "you know, he might have?":laugh:

Naturally we didn't go with the fully underwritten. But that stuff happens all the time. People seem to be absolutely clueless about what meds they take and why they take them.

So true! This guy acts like there's nothin' wrong and in one sentence brags about all the medical records he's compiled from the agent orange and how he is waiting for the gov to give him a big fat check, and in the same sentence expects the best of the best! I'm going by the local head shop on my way over there to pick up one of those crystal balls...:D
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To this day I still cannot get over how people describe their health. it's almost as they are in a different world when it comes to their own bodies.

I met with a guy yesterday. 74 years old and a cigar smoker so I was looking to put him with Americo and get non tobacco rates. he was looking for $25000 to $30,000 coverage so I started digging into his health a little more because I was think ing RNA fully underwritten. Even at tobacco rates it would be less expensive than Americos SIWL non tobacco. He said, "my health is great, never had any heart troubles, no cancers, no stokes, nothing. I asked about meds and he said he did take a BP pill. Still, that wouldn't knock him out on the RNA so I asked him to go get it. He comes back in with 3 bottles. One is Metformin 500mg, one is benacar and one is HCTZ. I asked why he took the metformin. He said it was for blood pressure. I said, no, it's for diabetes, has the doctor not ever told you that you have diabetes? He said, "you know, he might have?":laugh:

Naturally we didn't go with the fully underwritten. But that stuff happens all the time. People seem to be absolutely clueless about what meds they take and why they take them.

This guy is on gabapentin, alopurinol, potassium cl, lisinopril, simvastatin, furosemide, aspirin 325mg (sp?) So, now what do you think Doctor JDEasy? :)
 
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People and doctors don't think about health like life insurance companies do. We think "Hey, I'm not dying today or tomorrow, everything is fine." Insurance companies think, "Ok, so will this affect his mortality away from standard by such a percentage or more?"

You should go write some term sometimes. Had a woman, GREAT HEALTH. Oh well, she is overweight, had a DUI, and scoliosis of the spine. Yeah, her health isn't so great now. Everyone was quoting her preferred, I told her she will be lucky to get standard.


I used to only write term. I know what you mean. I had a couple a few years ago in Evansville, In that when I got to door she was huge and he was tiny. I'm talking jockey size tiny. I asked them a few questions about their health in genral and he said everything was great with him. I decided to do thwife's app first because I knew it was going to be a challenge. She really was in pretty good health except for being overweight. That was a relief. I had told him to listen to all the questions when I asked his wife because I was going to ask him the same ones. He never uttered a word while doing her's. When I was asking about surguries he then piped up and said, "I haven't had nothing since that bypass 4 years ago". I said what, you had a bypass? He said, "yep, triple!". Like he was bragging.

It made me just sit there and think, what part of of any health problems in the last few years did not register with thei guy that open heart surgery might be one of those?
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So true! This guy acts like there's nothin' wrong and in one sentence brags about all the medical records he's compiled from the agent orange and how he is waiting for the gov to give him a big fat check, and in the same sentence expects the best of the best! I'm going by the local head shop on my way over there to pick up one of those crystal balls...:D
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This guy is on gabapentin, alopurinol, potassium cl, lisinopril, simvastatin, furosemide, aspirin 325mg (sp?) So, now what do you think Doctor JDEasy? :)

Furosemide alone is a no go with RNA. I woud try him with Foresters.
 
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Had another one today that had meds and nebulizer prescribed for breathing. But answered "no" last year on COPD question on an app. Said the agent just told him to say "no" to all the questions and he would get issued. It worked!

Until I explained what would happen if he died today.
 
I used to only write term.

It made me just sit there and think, what part of of any health problems in the last few years did not register with thei guy that open heart surgery might be one of those?
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JD.. Surprises me.. I just assumed you had always been an FE specialist.

As for your prospect, I can sort of identify with him.. I had that.. It's fixed (quad, 7 years ago for me) so there's no health problem now. (We try to ignore the fact that the Dr's tell us those things can wear out around 10 years down the road.) :twitchy:
 
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