There are also other exceptions. If a person is over 65, still working and on the companies group insurance, decides to retire and the group does not offer it to retirees the person will have guaranteed issue.
If a person is retired and on their companies group insurance and the company discontinues coverage for retirees he/she will have guaranteed issue to take a Med Supp. At least that is the way it is in Missouri.
I would suggest that you check with both the DOI and the companies you are licensed with. There is a lot of good information here but I always suggest that the agent do his own research especially if it may impact his/her income.
We can give you our thoughts but the company who is going to either issue the policy or decline it is where you need to get your information.
