Great Western New App

So your selling AA rop under age 65? It has a 3 yr wait . I understand they have the ss billing angle . And yes it pays full comp like prosperity on rop . I've written one or 2 aig and before the policy was issued they got a moo brochure in the mail which is 20% cheaper . I won't write aig or Gerber anyone . National security has a graded 35/70% that takes stuff like heart attack in the first yr that has good comp .
How about oxygen,stents,chf ?

what about the charge backs ? First 2 years ?
 
How about oxygen,stents,chf ?

what about the charge backs ? First 2 years ?
Stents ok .. Oxygen no.. No CB for death. CB if premium not paid for 3 months. Here are the questions:
1. Is the proposed insured currently hospitalized, in an assisted-living, psychiatric, long-term care, nursing or correctional facility; receiving or been advised to receive home health or hospice care? YES NO

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? YES NO

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)? YES NO
 
I think AA takes oxygen canister as rop as long as its not continuous oxygen . National security won't take chf but they'll take stents in first yr . I'll be honest when i run into continious oxygen i walk . I've had 3-4 claims in the first yr . . I use for stents .heart attack, liver and kidney disease in the first yr. So if i run into a combo heart attack first yr and copd its good.But they won't accept lasix as they consider chf. Rouse they tried to aps one of mine when the client messed up on the oxygen question and retracted it .The lady who does the phone interview also is i believe the only person in the life dept.JD used to say he walked from Gi business . True GI goes to Great western. If they bring up Moo i wish them luck and walk away .
 
I think AA takes oxygen canister as rop as long as its not continuous oxygen . National security won't take chf but they'll take stents in first yr . I'll be honest when i run into continious oxygen i walk . I've had 3-4 claims in the first yr . . I use for stents .heart attack, liver and kidney disease in the first yr. So if i run into a combo heart attack first yr and copd its good.But they won't accept lasix as they consider chf. Rouse they tried to aps one of mine when the client messed up on the oxygen question and retracted it .The lady who does the phone interview also is i believe the only person in the life dept.JD used to say he walked from Gi business . True GI goes to Great western. If they bring up Moo i wish them luck and walk away .
Where National Security comes in handy is younger ages. I had a 32 year old male who had had heart attacks, open heart surgery, mental issues that required commitment and it sailed through with no problem. I did have a 56 year old lady declined when they turned up a med for CHF during the RX check..
 
I just don't know why you would do the paper application meant it in a good way.
Where I live, I can go just a few miles from my house and have no connection available.. You certainly not going to get a connection in the mountains juts east from me. Still use a paper app and a rate card.
 
Gw paper app going away nov1 . You can sync the app before you leave house in am and dint need net service . I'd highly recommended Verizon as the best cell service on the beach later bar none . I've done extensive testing with multiple providers in small towns everywere and Verizon works 98% of the time . I tested Verizon head on with total wireless their discount carrier which for 2 lines basically unlimited data is 60% cheaper than Verizon. I tested for 4 weeks in every tiny town and service exact same . Also total wireless has a 10 gb hotspot on the plan
 
Gw paper app going away nov1 . You can sync the app before you leave house in am and dint need net service . I'd highly recommended Verizon as the best cell service on the beach later bar none . I've done extensive testing with multiple providers in small towns everywere and Verizon works 98% of the time . I tested Verizon head on with total wireless their discount carrier which for 2 lines basically unlimited data is 60% cheaper than Verizon. I tested for 4 weeks in every tiny town and service exact same . Also total wireless has a 10 gb hotspot on the plan
I use Verizon.... But, there is a world of difference in trying to get service on flat land like South GA and North FL and trying to get service in the foothills of the Great Smoky Mountains. I did download the GWIC app on my computer.. Wish they had one for the android phone since I do not normally carry a computer..
 
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