Cuna

[lsalmans]

stated by Isalmans

"the COPD health question is always a confusing area to me. COPD is something that if you have, you do not correct it or get rid of it. So why does the company ask " in the last two years have you bla bla bla COPD?"

Just ask "have you ever been diagnosed with COPD or emphysema?"


Thats exactly what I was thinking. Foresters made her answer the question again after the ifirst interveiw and then when she answered it no again they refused to cover her at all. They turned her down cold.

I am thinking maybe they assume she is taking the Aalbuterol for the COPD, which she is not. She was first told she might have copd about ten years ago. She started taking Albuterol about a year ago for seasonal allergies. She only takes it very seldomly.

I am thinking I need to get set up with Mounumental for her.




The Albuterol was not your problem. It was the MIB. When there is an MIB issue they make you re-answer to confirm that's how you want to answer. Then when they see conflicting statements as it pertains to the MIB they don't counter offer coverage because basically they see it as a risk with your client to do any coverage because of her or his willingness to lie. So they dont issue anything because what else may the client be lying about it is how they perceive it. I have never heard it put this way before by anyone from Foresters, this is just my guess and opinion. I have had people denied coverage and not offered graded even though it was only a MIB conflict in section 3 of the application. And when someone is denied coverage by Foresters, you have to wait 12 months if you want to try to rewrite them with Foresters, unless you can get an exception made. Foresters will acknowledge and overturn apptical decisions with a Dr notes. However, in this situation I dont think a Dr will sign anything, because it sounds like she may actually have it

Foresters is good to me, but they do have their problems. I think of Working with Foresters kind of like working with a computer and not a person. The underwriting is automated and black and white with few exceptions (ie. Dr. notes) , the processing of cases is automated, if you need things with your cases pending that need to be tweaked or changed, its very difficult to just call someone and work with them to have them change it (ie draft date, misspelling, special requests,) If you have a case that is pending and youre not sure why. If you call them and ask, their not sure either, thats because no one is actually designated to the case, it sits their until their software puts it in front of someone to work on. It gives you the feeling of your case sitting out there in space for no apparent reason, its a helpless feeling.


However, Their good still outweighs their bad to me. By a long shot. I am happy and proud to put my business with them.

 

[Rearden]

That's it -- most COPD's use inhalers of some type, so it's good only every once in a while.

WoW... There are reasons to use AmAm after all eh Reardon? Haven't looked at their app in awhile!

TDF

Sent via my Sprint Phone using Insurance Forums App

 

[nfl72]

Back to the origional question. Will Mounumental approve this lady on a level product for $35,000 worth of coverage, knowing she was diagnosed with COPD about ten years ago. She is also a diabetic on insullen. She has no other health issues at all.

I am getting set up with Mounumental as we speak but if they wont buy her I need to find someone who will.

Someone else made a statement that suggests Mounumental has two different rratings for level products in the FE arena?

 

[Rearden]

No to monumental. Look at AmAm fr that case, Nfl. Assuming she doesn't take treatments.

 

[nfl72]

I think it was Isalmans who made this statement

"In this situation you may want to go disclose the COPD and go with Monumental Std Level. That is if you don't want the policy to be rescinded. "


This statement leads me to beleive Mounumental will buy it level?

My upline doesn't offer Am AM or I would go that route.
- - - - - - - - - - - - - - - - - -
For the record. The client went in for a sleep study ten years ago and at that time they told her she had sleep apnea and also they suggested she might have a slight case of COPD. She has never taken a prescription for COPD. The Albuterol she took about a year ago was for allergies, seasonal.

 

[jdeasy]

I think it was Isalmans who made this statement

"In this situation you may want to go disclose the COPD and go with Monumental Std Level. That is if you don't want the policy to be rescinded. "


This statement leads me to beleive Mounumental will buy it level?

My upline doesn't offer Am AM or I would go that route.
- - - - - - - - - - - - - - - - - -
For the record. The client went in for a sleep study ten years ago and at that time they told her she had sleep apnea and also they suggested she might have a slight case of COPD. She has never taken a prescription for COPD. The Albuterol she took about a year ago was for allergies, seasonal.

Monumental's question on COPD is "ever?". She would have to answer yes to that with them. That puts her at standard which is too high. But, taking insulin is also another yes in that section it makes it a graded benefit with Mon.

You don't want to fool with AmAm on it either. She may be able to say no on the app, but when doing the interview you will have the same problem you did with Foresters.

I would try RNA. She can answer no honestly to RNA's COPD question. {As long as she honestly hasn't been treated for it as she claimed}. RNA is OK for insulin as long as she wasn't on it before age 50. If she was, look elsewhere.

Also, look at Americo. From what you have posted here she shouldn't have any problems with Americo.

Re-reading your post I would try Americo first. They won't do $35,000, they max at $30,000.

 

[nfl72]

After speaking breifly with my upline, it sounded like Americo would do the same thing as foresters and could have a problem with something stated on the MIB, just like Foresters did.

I am set up with Americo and that would be conveinient.

For the record she was first dianosed with Diabetes at age 38.

Thanks for the suggestions to all
- - - - - - - - - - - - - - - - - -
In regards to Americo,

How accurate do we need to be when listing the meds she is on? Do I need to list meds she takes for a back pain issue. Some of these people take 10 to 15 meds a day. Do they all have to be listed? Will it piss off underwriting if some are not listed?

Does the MIB show what meds she is taking? I have been told by some that it will and by others , it will not?

 

[jdeasy]

After speaking breifly with my upline, it sounded like Americo would do the same thing as foresters and could have a problem with something stated on the MIB, just like Foresters did.

I am set up with Americo and that would be conveinient.

For the record she was first dianosed with Diabetes at age 38.

Thanks for the suggestions to all
- - - - - - - - - - - - - - - - - -
In regards to Americo,

How accurate do we need to be when listing the meds she is on? Do I need to list meds she takes for a back pain issue. Some of these people take 10 to 15 meds a day. Do they all have to be listed? Will it piss off underwriting if some are not listed?

Does the MIB show what meds she is taking? I have been told by some that it will and by others , it will not?

You don't list the meds on the Americo app. The MIB does not show med. That's the RX check. It's supposed to show all med, but it doesn't. I've been told that it's inaccurate 40% of the time. Don't know where that number came from, but that's what the word is.

When I first started writing Amercio I would list the meds in that box at the bottom of the medical questions page. They told me to stop doing that.

They do have a build chart, so be sure than check that.

Does you client take more than 40 units of insulin per day? If not you should look at AmCon. If she's over that, don't bother with them.

 

[lsalmans]

You don't list the meds on the Americo app. The MIB does not show med. That's the RX check. It's supposed to show all med, but it doesn't. I've been told that it's inaccurate 40% of the time. Don't know where that number came from, but that's what the word is.

---


90% of statistics are made up on the spot.

 

[nfl72]

I use genworth/american continental a lot. She was diagnosed at age 38 and takes 10 units 40 times a day. both bounce her from level.

I ve only done one americo and i thougth it asked for meds?