BFLAC Portal

[senior-advisor-indiana]

There is good money in the hard cases sometimes, I used to have all my goto's 2 years ago but with changes in New Era, Equitable and some others, I am going to have figure some other companies.

I spoke with UNified Life seems like a decent company for some harder case, I did find out they will be ok with Afib and blood thinner if controlled. Going to take a deeper look to see what else they are good with

Yeah it was easier to place cases a few years ago with those companies. Lumico works for Afib also if no changes in rx over the last 2 years...

 

[somarco]

So far I have invested about 90 seconds of posting on a forum. I may spend another 5 minutes on the phone with Manhattan to see if they will approve. When would you recommend I throw in the towel?

Actually I wouldn't even go that far.

 

[senior-advisor-indiana]

Actually I wouldn't even go that far.

I appreciate that.....

 

[goillini52]

There are a bunch of companies that only go back 2 years. Lumico, GPM, WULA, Sentinel Security, CSI, Shenandoah, Everest, GTL, Cigna, Thrivent, Americo, etc.

But of the ones you listed, only one will take diabetes with a stroke over 2 years.

I'm still coming up with most of those companies. Unified Life, Aetna, Cigna, Everest. GCU, Liberty Banker's Life, Manhattan, Mutual of Omaha, Puritan, Thrivent, Western United Life, Americo.

I got these companies when I put it through "Ebbie"

Then you didn't do it correctly. They say Cigna will take that case, but on Cigna's a DQ, but on their app it's ok. I called Cigna and it's a no go. I told them they need to fix their app, because it's wrong. I called ebbie and let them know that Cigna's app is wrong and they said they'd correct it.

 

[goillini52]

So far I have invested about 90 seconds of posting on a forum. I may spend another 5 minutes on the phone with Manhattan to see if they will approve. When would you recommend I throw in the towel?

Everest should take that case.

 

[somarco]

I hope Mike makes the sale. Keep us posted.

 

[goillini52]

There are a bunch of companies that only go back 2 years. Lumico, GPM, WULA, Sentinel Security, CSI, Shenandoah, Everest, GTL, Cigna, Thrivent, Americo, etc.

I just called ebbie again with another correction, because they were showing Thrivent taking diabetes with stroke over 2 years as ok. I let them know that the ONLY heart condition Thrivent will CONSIDER with diabetes is HBP(well controlled).

I like ebbie, but they're still working the bugs out. They appreciate agents letting them know when there are mistakes so they can correct them.

 

[senior-advisor-indiana]

I'm still coming up with most of those companies. Unified Life, Aetna, Cigna, Everest. GCU, Liberty Banker's Life, Manhattan, Mutual of Omaha, Puritan, Thrivent, Western United Life, Americo.

I got these companies when I put it through "Ebbie"

I believe Everest is the only one that will work out of all these although I do have my doubts about them. I threw their stuff in the trash after the declined my first 2 apps when they first came out. Manhatten and WULA re a no go for diabetics with any history of heart or stroke...

 

[senior-advisor-indiana]

I hope Mike makes the sale. Keep us posted.

I'll let you know Wednesday. She is checking to see exactly when her husbands stroke was. Even if I don't get the sale, I know who to go to next time...