Congestive Heart Failure... level or graded?

[rousemark]

I don't think it'd be hard to find companies that'll take that ROP, but SNL probably has about the best ROP rates.

United would issue graded.. ROP plus 4% 1st year, 50% of the face second year.

 

[goillini52]

United would issue graded.. ROP plus 4% 1st year, 50% of the face second year.

That's better than srtaight ROP.

 

[rousemark]

That's better than srtaight ROP.

would you call that a graded plan or a modified plan??

 

[goillini52]

would you call that a graded plan or a modified plan??

Modified Graded. That's what Kranjsko Slovenska Katoliska Jednota calls theirs.

 

[HoosierLife]

I just asked the SVP of Sales & Marketing at Prosperity via email. Here's his response:

No it is modified although I just left a training and an agent told me 4 out of 5 have gone through level so the computer uw is accepting but I can not guarantee it for you.

Yeah I'm getting similar answers. They won't definitively answer (over email) that they will accept that risk.

They're saying "run the eapp and if it goes through than it's approver."

But when I talk to our rep he says anything past the lookback period including angina, CHF and organ transplants are level.

 

[VolAgent]

Yeah I'm getting similar answers. They won't definitively answer (over email) that they will accept that risk.

They're saying "run the eapp and if it goes through than it's approver."

But when I talk to our rep he says anything past the lookback period including angina, CHF and organ transplants are level.

Call me cynical, but I'd say they are going to blame the agent when they decide to rescind. If no one is willing to say in writing it is ok, then they are just seeing what will fly and what claims and legal decides to do when it happens.

 

[rousemark]

Call me cynical, but I'd say they are going to blame the agent when they decide to rescind. If no one is willing to say in writing it is ok, then they are just seeing what will fly and what claims and legal decides to do when it happens.

If they won't put it in writing, assume it is not so. That is like a company that puts something in their agent contract and when you call them on it, they respond, "Well, we have no intention of enforcing that"... BULL!

 

[Baseball7]

Nobody is making anyone write it.