FE for Someone W/ MS ?
- Thread starter Cyborg7
- Start date
- 3,165
I dont know if its the "best", best is subjective...in this case it means "one that will get approved"! But I had a MS case with Foresters Plan Right Level benefit, with no problems!!
- 19,666
I've had MS clients approved immediate coverage with most carriers at some point in time. The issue is not the MS alone, it's how long ago diagnosed and how long since last treatment for it.
Not to be be pedantic here, but as a MS patient myself for over 15 years, the concept of "last treatment" does not apply here. With MS, one is treating symptoms and not the disease. I have not seen a carrier ever ask about treatments. Either you have MS or you don't.
I am not convinced of any mortality issues with MS, but in terms of degenerative progression, the younger one is diagnosed, the worse the symptoms. Females fare much worse than males. Statistically speaking if you get hit with this disease hope that you are a guy and get it later in life.
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Looks like they would qualify for Americo Ultra 1. I don't see the specific question on the app. and even if they are taking the Rebiff RX shows Level in the underwriting guide. Monumental would be the standard rate which is much higher than anyone else.
I was just looking into this for a client today.
- 19,666
MS used to be graded with Americo. They took that off the app about 3 years ago and it's now UPI.
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Whatever "pedantic" is the question on RNA's app, for one example, is; "During the past 24 months has the proposed insured been diagnosed as having, or been treated for: b. Neuromuscular disease (including Multiple Sclerosis,......?"
Looks like you can answer no to that question so would you like to get this going now?
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- 19,666
Yeah but then the person has Foresters as their company. MS and Foresters? That's gotta sting!
- 3,165
Yeah but then the person has Foresters as their company. MS and Foresters? That's gotta sting!
Yeah, hes better off at JD's favorite companies....UHL or Monumental!!
- 19,666
Yeah, hes better off at JD's favorite companies....UHL or Monumental!!
As bad as those are they probably are better than Foresters.
