Help with a Case

[Philly Fan]

Hey guys I have a female client who is 49 years old and had a heart attack 8 years ago, she had a stent put in at the time of the surgery and was diagnosed with Coronary Artery Disease. She also smokes.

Is there a simplified issue level product for her or do I need to go graded benefit?

Thanks!

 

[goillini52]

Hey guys I have a female client who is 49 years old and had a heart attack 8 years ago, she had a stent put in at the time of the surgery and was diagnosed with Coronary Artery Disease. She also smokes.

Is there a simplified issue level product for her or do I need to go graded benefit?

Thanks!

That shouldn't be hard to place, depending on what meds she takes.

Graded is NOT GI. I think you might be confusing the two. True Graded has partial death benefit for death by sickness in the 1st 2 years. Some companies mistakenly call their Modified/ROP polices Graded...which annoys the hell out of me and confuses new agents.

 

[ianbroker31]

preferred plus

 

[goillini52]

preferred plus

Preferred plus what?

 

[ianbroker31]

preferred plus Graded

 

[goillini52]

preferred plus Graded

You just made my day!!!

 

[DHK]

I would've said to google "preferred plus sexy" and take a look at the images... but Bing had better image results.

 

[Philly Fan]

Thank you for your help. Yes, I may have them confused.

So with Coronary artery disease I was thinking I would need to go GI. Usually AIG is my GI but it starts at 50 years of age and she just turned 49.

Do you know of a company who will take Coronary artery disease and she can get a level product? (simplified issue)

 

[myinsurebiz]

Hey guys I have a female client who is 49 years old and had a heart attack 8 years ago, she had a stent put in at the time of the surgery and was diagnosed with Coronary Artery Disease. She also smokes.

Is there a simplified issue level product for her or do I need to go graded benefit?

Thanks!

Assurity may go level if all this happened 8 years ago. May depend on meds - but, as you explained - should be level day one.

 

[goillini52]

Thank you for your help. Yes, I may have them confused.

So with Coronary artery disease I was thinking I would need to go GI. Usually AIG is my GI but it starts at 50 years of age and she just turned 49.

Do you know of a company who will take Coronary artery disease and she can get a level product? (simplified issue)

Coronary Artery Disease: Bankers Fidelity(Level Preferred), GWIC(Level if no problems or change in medication or dosage in last 2 years), LBL(More than 2 years SIMPL Preferred, within 2 years MWL), RNA(More than 2 years Level, within 18-24 months Graded, within 18 months decline), Sentinel Security(If more than 5 years Level, otherwise Graded)