Has Americo Changed Anything?

billyb

Guru
1000 Post Club
2,172
Florida
I have submitted 2 smokers with COPD to Americo lately and both were offered UP3. All medications were OK in an old drug guide I had. Rewrote both with Transamerica and they were issued. I thought they may use oxygen and didn't tell me, but Transamerica wouldn't have issued them if they did.
 
UP's underwriting is table scored/run through a in house algorithm and your field underwriting is meaningless. Don't write it unless you have no other choice.
 
The only clients you should be putting through Americo is clients with seizures.. that's it-
 

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