- Thread starter
- #11
- 1,926
Talked with some folks today. GR stated that they would want a current cardiac workup. Blue Cross said the same. Not an UW, but my contact with Assurant suggested letting the client complete the on line app and answer the questions exactly as asked. My current thoughts are to have the client apply with Assurant, hopefully get issued, then apply with BC because that is the company he wants to be with. However, the way BC does pre ex, I wouldn't be comfortable being with them. Having a murmor and then if he had a MI or stroke in the first year, is it likely they would deny the claim? In addition, the client wants to apply for a million dollar term policy, I suggested we hold up until the health insurance is completed because for sure the murmor will be on MIB.