Crohns Disease Question

[sherpa]

I came across someone with crohns, it’s been almost two years since her last attack (3rd in her lifetime)

Humana - Decline
Golden Rule - 4 year separation from last attack then maybe rider
Anthem BSBC - looks to be decline. I am waiting on an UW inquiry response since they no longer offer agent assistance on the phone. BS

I have been speaking with the husband and he claims that when the two year anniversary of her last attack passes, he can get her covered without a rider through State Farm. Can anyone speak to any of this?

 

[somarco]

Snake Farm writes medical through Time. Unless there is a new guide, a dx of Crohn's is an auto decline with Time.
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Aetna is an outside possibility

 

[sherpa]

Thanks

I thought he was being misled. Do State Farm agents have the ability to write anything other than Time?

oops just saw you mentioned Aetna

 

[somarco]

To my knowledge all they can offer is Time.

Aetna is a bit of a long shot, but worth looking in to.

 

[moonlightandmargaritas]

To my knowledge all they can offer is Time.

They don't even sell the entire Time portfolio. Selected plans only.

 

[sherpa]

I called a State Farm agency here and they indeed only sell Assurant/Time in Indiana. The UW decision at Assurant in auto decline.

 

[somarco]

Selected plans only.

Like Wrong Start . . .

The UW decision at Assurant in auto decline.

Most Snake Farm agents are idiots when it comes to health insurance. No reason to believe anything they say.

 

[dgoldenz]

Most Snake Farm agents are idiots when it comes to health insurance. No reason to believe anything they say.

Had one of my clients get a rescission letter from Assurant last week. They signed up with a State Farm agent last year. Person had sleep apnea, high BP, high cholesterol, overweight. Checked "yes" answers under some questions, but agent did not ask any details. I don't know how it slipped past Assurant, but it did. Good thing she didn't have any claims.

 

[YouGotMyMoney]

Had one of my clients get a rescission letter from Assurant last week. They signed up with a State Farm agent last year. Person had sleep apnea, high BP, high cholesterol, overweight. Checked "yes" answers under some questions, but agent did not ask any details. I don't know how it slipped past Assurant, but it did. Good thing she didn't have any claims.

Is this a life client of yours?

 

[jsd1239]

Try Teamcorp.