Ok Greg what's the commish on your GI product ? Can an independent agent get contracted and just sell that ? If not it's irrelevant. Also isn't SL's GI a 3 yr wait ?Ran into a woman today who could hardly breath . Has been in 2 coma's last 2 yrs . From now on 80% of my GI is going to be written with Great western with a 9 month chargeback on death only .
Entresto
- Thread starter billyb
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Was this with SL?
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- #33
Transamerica
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Yes
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tribetime32
Guru
- 377
Prosperity will in theory, as long as no new treatment within 2 years... I feel that this is very uncommon, but their underwriters tell me they will take it under this scenario. Also UHL EIWL will take CHF on the 12%/24% ROP model.
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That is not how their underwriting works. That's how it works for cleansheeters only.
tribetime32
Guru
- 377
That's what I said as well, but talking to their underwriters, they say as long as no treatment within 2 years they will take level. I'm not writing that policy, and it CERTAINLY would not pay out if death within contestability, but there are some in the industry using this "niche".
Personally, I'm writing UHL EIWL on CHF cases.
Personally, I'm writing UHL EIWL on CHF cases.
- 924
These comments aren't directed at you.
It's simple. You cannot get rid of CHF. You will always be under treatment for it.
If you have CHF, that answer should always be answered yes. Period.
What cleansheeting agents will do is rationalize it as:
- If you weren't originally diagnosed with the last 2 years then you can say no.
- If you haven't had any new treatment within the last 2 years then you can say no.
