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I know Monumental will take COPD as standard but not with taking insulin also. Are there any carriers that will give an immediate benefit with these two problems?
COPD Plus Insulin Dependent Diabetes
- Thread starter GAJ638
- Start date
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Hate to say it, but maybe senior life will. Rumor was a couple years back senior life gave preferred ratings to insulin diabetics. Maybe theinsuranceman will come on here and let you know
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Only immediate benefit option would be a Graded Plan with 5-Star if they hit the diabetes requirements.
- Thread starter
- #5
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Thanks Matt. Is Senior Life captive? I have seen threads on here that are not good for them. This person is a client going back 13 years when I was a captive agent. His policy lapsed to loans and late payments. The company refused to reinstate it and he called me. I got him 5 star graded but thought I would check to see if any company would consider him standard.
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Would that be graded or 100% immediate with CL?
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Is that new underwriting for CL?
Everyone with CL policies with COPD I have replaced due to their 2-year ROP if diagnosed with any form of COPD.
Do they not qualify for immediate 100% coverage if they smoke?
Everyone with CL policies with COPD I have replaced due to their 2-year ROP if diagnosed with any form of COPD.
Do they not qualify for immediate 100% coverage if they smoke?
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Americo will take them on UP-2. It's pricey, but it's immediate death benefit in NC.
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Which CL product is that? I know it's not Dignified Choice.
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