HELP with 52 year old: Looking for first day coverage

[FEAGENTMAN]

52 year male, with congestive heart failure, in and out of hospital for congestive heart failure. Has been hospital free for over 12 months!! Had Prostate Cancer July 2016, Diabetes with toe amputation few years ago.

 

[Life Hawk]

You'll need to go to guaranteed issue for this one.

 

[FEAGENTMAN]

New
You'll need to go to guaranteed issue for this one.

Thanks for the help. That is really encouraging; I took a Gerber app today. I was just checking as I am new in FE and the client is so young.... you know....... Thank you again!

 

[bboman23]

You could go United Home Life Express Issue. Depending on your state it will be ROP + 12% first year, ROP + 24% the 2nd year.

10k is $49.28 UHL and $50.42 Gerber

You will get paid full comp on this product instead of 60% as earned that Gerber will pay.

 

[WinoBlues]

You could go United Home Life Express Issue. Depending on your state it will be ROP + 12% first year, ROP + 24% the 2nd year.

10k is $49.28 UHL and $50.42 Gerber

You will get paid full comp on this product instead of 60% as earned that Gerber will pay.

Probably better charge back rules as well.

 

[FEAGENTMAN]

I HAVE HIM WITH GERBER AT 10K FOR 40.88. IT WAS A GOOD PRICE FOR HIM. I WILL CONSIDER UHL FOR ANOTHER CLIENT. THAT REALLY SOUNDS INTERESTING WITH THE SECOND YEAR; ROP + 24%.

 

[bboman23]

Got him in before the rate increases?

 

[FEAGENTMAN]

Got him in before the rate increases?

I hope so; I will get clarity. I know that using the old app will not get any renewals.

 

[bboman23]

I think you're ok if you used the old app.

 

[FEAGENTMAN]

Thank you for the advice. I still will check; Very good points.