FE Script Check-Coreg

[jemelton]

I have a guy that I have shopped EVERYWHERE and I have 2 possible companies to put him with and we are going to apply with both....Oxfd and Balt Life.

He takes Coreg but does not have CHF (I have viewed his medical records) He takes coreg to prevent a heart attack and for high blood pressure.

Will these companies probably decline him because he is taking this drug once it comes up on the script check even though he is not taking it for this reason? Any opinions would be appreciated.

 

[Josh]

Question: Do you not think other carriers would ask for what drugs he was taking? Are you planning on omitting that if they don't do a script check?

Like it or not, the guy is on the drug. You might want to call the underwriters and explain the situation to see what they say.

 

[tins]

Sounds like Oxford is a good choice.
He can answer all the health questions 'no'. When they run the meds during the phone interview, make sure he tells them the exact same thing, it is for blood pressure and prevention of heart attact.

Seems like you wouldn't have a problem...of course, in this business, nothings 100%

 

[jemelton]

Question: Do you not think other carriers would ask for what drugs he was taking? Are you planning on omitting that if they don't do a script check?

Like it or not, the guy is on the drug. You might want to call the underwriters and explain the situation to see what they say.

not going to omit anything...if they ask the question, we will answer it. for a variety of reasons (medical) they are the best choice.

 

[Rearden]

Monumental will take him.

 

[Newby]

If he already got declined from another company within 24 months Oxford won't take him.

 

[Rearden]

If he already got declined from another company within 24 months Oxford won't take him.

Yup, make sure you clarify if he was declined or up-rated.

 

[jemelton]

no, he has not been declined or applied in 24 months

 

[lsalmans]

I have put people that were on Coreg with Foresters Level without a problem so far.

 

[jacobtn]

Sell him Lincoln heritage or american income.