Client with MS!!

[TDFnCali]

I have gone thru the carriers I have & all ask about MS in some form or fashion except Foresters. They dont even mention anything about neurological/neuromuscular <sp> diseases. So my question is, does anyone have any exp with sending clients with MS to them? I have 1 that doesnt affect her as much as most ppl, but shes on a boatload of MS drugs, most of which I DIDNT find in Foresters drug guide.

So will she get approved? And is there a better choice?

Thx in advance!

 

[GreenSky]

Wow!!!! That's an exciting subject of the thread!!!!

Needs more exclamation points to really get us involved.

Wheee!!!!!!!!

Rick

 

[FEX Quotes]

Wow!!!! That's an exciting subject of the thread!!!!

Needs more explanation points to really get us involved.

Wheee!!!!!!!!

Rick

Would kwestion marks work better?????

 

[TDFnCali]

Wow!!!! That's an exciting subject of the thread!!!!

Needs more exclamation points to really get us involved.

Wheee!!!!!!!!

Rick

1 ! and u get all worked into a tizzy eh Rick?? U really need something else better to do with your time, then poking around reading a full days worth of post to find 1-2 u can make fun of thats not even funny!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

 

[jdeasy]

I have gone thru the carriers I have & all ask about MS in some form or fashion except Foresters. They dont even mention anything about neurological/neuromuscular <sp> diseases. So my question is, does anyone have any exp with sending clients with MS to them? I have 1 that doesnt affect her as much as most ppl, but shes on a boatload of MS drugs, most of which I DIDNT find in Foresters drug guide.

So will she get approved? And is there a better choice?

Thx in advance!

About a year of so ago Americo took MS off the decline or graded list. So, barring other factors they would approve for Ultra I.

RNA would also if nor the current Rx. That would make it graded with RNA.

Would be immediate coverage with Monumental at standard rates.


Should be OK with Foresters but don't be surprised if they decline or rate at the end of the phone interview. You never know with them anymore.

 

[Mark]

I just found out the other month that I have MS.

I hope there is never a client we cant help or find some type of coverage for.

I'm doing a lot of research on MS right now, since I have it.

DO people with MS really die much younger?

 

[Guest]

1 ! and u get all worked into a tizzy eh Rick?? U really need something else better to do with your time, then poking around reading a full days worth of post to find 1-2 u can make fun of thats not even funny!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Hey troll, I see TWO (2) ! points in the title of the thread!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

 

[WinoBlues]

I have gone thru the carriers I have & all ask about MS in some form or fashion except Foresters. They dont even mention anything about neurological/neuromuscular <sp> diseases. So my question is, does anyone have any exp with sending clients with MS to them? I have 1 that doesnt affect her as much as most ppl, but shes on a boatload of MS drugs, most of which I DIDNT find in Foresters drug guide.

So will she get approved? And is there a better choice?

Thx in advance!

What is the face amount? My experience is that MS swings from Standard to decline fully underwritten. If well controlled, not progressive and not on disability could be a good candidate for full underwriting. Recently got $250,000 tbl2 with UoO. On a 20 pay it looked really good.

 

[TPAAgent]

Monumental- placed one 2 weeks ago- immediate

 

[360]

Assurity will also take them if it's considered mild and if they do not need help with ADL's.