- 30,577
Great western has new fe product effective April 20
- Thread starter Fire
- Start date
The underwriting is mighty strict for a graded plan..
- 5,933
...or the such.
I see some possible uses on the graded . Alcohol and drug abuse graded . Many carriers decline or rop . Also a heart attack 1 week ago getting graded Is good .
Fortunately, I have a company available that will write a 35/70/100 graded with issue ages 18-85 as long as the can answer no to these questions.
1. Is the proposed insured currently hospitalized, in an assisted-living, psychiatric, long-term care, nursing or correctional YES NO facility; receiving or been advised to receive home health or hospice care?
2. Has the proposed insured tested positive for the exposure to the HIV infection or been diagnosed as having Acquired Immunodeficiency Syndrome (AIDS) or AIDS Related Complex (ARC) caused by the HIV infection or other sickness or condition derived from such infection?
3. In the past year, has the proposed insured used or been advised by a licensed medical provider: to use oxygen, to receive dialysis; to receive chemotherapy/radiation; to have or awaiting an organ or tissue transplant, or been diagnosed by a licensed medical provider with Dementia, Alzheimer's; Congestive Heart Failure; Cirrhosis of the Liver; or any terminal illness(an illness that would be expected to cause death within 12 months)?
There are a few cases GW may accept that this plan won't but not many. And, there are several that GW won't accept that this one will. I one next week to write on a 31 year old female with chronic kidney failure that is not yet on dialysis. Don't know if GW will write that young but even if they will, she would not qualify based on question 6.
- 30,577
What company is that?
A regional company out of Alabama, National Security. Noticed they were just bought/merged. Hope that doesn't foul things up.
PhxSunsFan
Guru
- 602
are they f2f only or telesales too ?
haven't heard them mention telesales.
I've written a few with National security . You have to call the home office to do the phone interview . They don't take chf . Thats ok but they flag Lasix and furosemide as chf and thats s decline . Some in theory they take no serious heart as many take that . As rouse said their good for a few things. The problem with the 18-30 year old type client is many of those have cognitive issues and can't do a phone interview . Its much easier to write GTL E-App with no mib or rx check and its approved instantly.
