Ethics

[taterpeeler]

i would look at aetna, provided they dont do exclusions like they do here in texas.... that is the only policy i look at when a client has riders... not worth the risk

 

[TXINSURANCE]

Your client needs to likely stay put - but as someone else suggested, try Aetna.

Also if this client NEVER has had cancer in the past - what a great time to sell him a CANCER / CI plan - not sure the cost at their age though - might be a problem.

Also remember INDIVIDUAL to INDIVIDUAL in MOST states is NOT credible and has a 12 month pre ex standard. Texas recently passed a law individual to individual IS credible, and honestly it is about time.

 

[somarco]

Blue doesn't do AOR in GA . . . unless you have 300 active cases on the books & I dont.

Aetna & GR are both on the radar. I have had good success with GR in the past and have been able to get stuff issued without riders.

Aetna is accept/reject. They are very hard to predict. This is not a pre-screen situation. I have told the client to consider submitting an app & see what happens.

Per earlier notes, I am advising against going with Humana.

 

[Bob_The_Insurance_Guy]

#1 try World, with their ridiculously high deductibles. I believe they go up to $25K.

Call Tonia at Diversified, and run it by her.