Columbian Not So Guaranteed- Guaranteed Issue

[indiana260]

Okay, so my regional VP with coumbian tells me they have GI down to age 25.

Great, I will surely use them!

Finally ran across one last week. Lady has a son that has mental problems and is in a home schitzo. Tell her no problem, it's guaranteed issue.

Writing the app and find a line that says... I have previously seen the applicant and he is not in a home or facility and I have no knowledge of a terminal illness. Yada yada yada.


THE APP SAYS GUARANTEED ISSUE AT THE TOP.

I will never use Columbian for anything again.

Sorry for the Times I posted that they have GI down to age 25.


I

 

[Cyborg7]

Unreal. What a F'n joke.

 

[jdeasy]

I always hate it when these companies claim they have a GI plan but then have conditions they won't cover. Presidential was that way. UHL is that way and UHL advertises as "true GI".

 

[HoosierLife]

Hmm...good to know. Where does it say that on the app?

 

[Newby]

Okay, so my regional VP with coumbian tells me they have GI down to age 25.

Great, I will surely use them!

Finally ran across one last week. Lady has a son that has mental problems and is in a home schitzo. Tell her no problem, it's guaranteed issue.

Writing the app and find a line that says... I have previously seen the applicant and he is not in a home or facility and I have no knowledge of a terminal illness. Yada yada yada.

THE APP SAYS GUARANTEED ISSUE AT THE TOP.

I will never use Columbian for anything again.

Sorry for the Times I posted that they have GI down to age 25.

I

If they don't take a terminal illness they are definitely not even close to GI.

 

[donamese]

Columbian also calls their modified plan graded so not a real shocker.

 

[indiana260]

Hmm...good to know. Where does it say that on the app?

Bottom of page one. Right above the signature lines.

 

[WinoBlues]

Okay, so my regional VP with coumbian tells me they have GI down to age 25.

Great, I will surely use them!

Finally ran across one last week. Lady has a son that has mental problems and is in a home schitzo. Tell her no problem, it's guaranteed issue.

Writing the app and find a line that says... I have previously seen the applicant and he is not in a home or facility and I have no knowledge of a terminal illness. Yada yada yada.


THE APP SAYS GUARANTEED ISSUE AT THE TOP.

I will never use Columbian for anything again.

Sorry for the Times I posted that they have GI down to age 25.


I

Where are you going to write your 25-40 year old un healthy ones?

 

[bigjake]

It seems all the carriers have a catch: The client is too old, or too young, or they are not True GI. Kemper begins at age 40, but seems to be the best I have found other than Gerber, but Gerber is slow with apps and min age is 50. Equitable's graded allows for "no health questions" is expensive and they have face amount of only 10K.

I am looking for a carrier which will write ages 0-90 with all policy types, should anyone know of any.

 

[VolAgent]

I am looking for a carrier which will write ages 0-90 with all policy types, should anyone know of any.

There was a company that use to do that.

They went out of business, claims exceeded reserves.