Citizens (CICA)

Here's our video on CICA Life. It goes through the entire application process and agent portal via screenshare.



Also, careful on dialysis going level. Many on dialysis are on a list for a transplant and therefore wouldn't qualify.

Here's the Agent Guide and sample app.

Thought Lupus was standard but question 6E puts it GI. Also is ad&d included in all plans without additional premium?
 
Looks good. For clients that I currently can't get Day 1 coverage, this would plug about 75% of those holes.

Glad they are going to be adding the Wednesday billing.

Hopefully they increase the window from app date to draft date, at 28 days sometimes it's tough when you are talking to them on the 27th of the month and the 1st is only 3-4 days away and they want it to start the month after. It's nice to have the wiggle room to push it out in that situation.

The 90 day chargeback window is great, but having only a 2 day window before needing a whole new app when they miss the first payment seems pretty tight.

Overall I would definitely be interested in it once the Wednesday billing is implemented.
 
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