Help With FE Case

[ronmelton3]

I have a guy 66 n/s that had a stroke 26 mos ago.
He is taking Nitro and Plavix and HBP meds.
He cannot do a phone interview due to his speech impairment.
He can do all of the ADL's.
He was recently turned down (GDB) by Royal Neighbors because of the meds.
I need someone that will not require a phone interview or will be OK with his meds.
Thanks in advance

 

[walleyeb1]

I'm note sure what state you are in but regardless it sounds like you need a guarantee issue product. Americo would probably work. I'm in Illinois and I use Fort Dearborn for my guarantee issue clients. It's not a bad plan it pay 20% of the face amount year one 40% in the second year 100% year 3. ADD is 100% any time

 

[ronmelton3]

I'm note sure what state you are in but regardless it sounds like you need a guarantee issue product. Americo would probably work. I'm in Illinois and I use Fort Dearborn for my guarantee issue clients. It's not a bad plan it pay 20% of the face amount year one 40% in the second year 100% year 3. ADD is 100% any time

I'm in GA. Ultra Protector III is the only option I've seen so far, but it's so expensive. He doesn't qualify for Ultra Protector II since he was just turned down. The first question on the app asks if you've been turned down in the last 6 months. He would qualify if not for that question.

 

[ALG]

If he has a power of attorney authorization for a relative to handle his business, they could help with the interview.

 

[theinsuranceman]

Call Joey at 229-221-5172. Tell him Greg Hinton in NC referred you to him.

 

[myinsurebiz]

He doesn't qualify for Ultra Protector II since he was just turned down. The first question on the app asks if you've been turned down in the last 6 months. He would qualify if not for that question.

Ron,

UW will work with you on this.

Tom

 

[ronmelton3]

Ron,

UW will work with you on this.

Tom

Sorry, I'm having a senior moment. Who is UW?
I know UHC, UA, UB, UofO, U/A, UHL,
Also UFC, UAF, USA, UGA, UCONN, USC, UCLA etc. lol
Is that United World? No phone interview?

Thanks,

 

[Newby]

Sorry, I'm having a senior moment. Who is UW?
I know UHC, UA, UB, UofO, U/A, UHL,
Also UFC, UAF, USA, UGA, UCONN, USC, UCLA etc. lol
Is that United World? No phone interview?

Thanks,

I believe he means underwriting= UW

 

[ronmelton3]

Underwriting? I've tried several companies, but not Americo due to the first question being YES, as he was turned down.
They all tell me that if he can't complete the phone interview he will be declined. I think it's a load of crap they REQUIRE this interview.
I'd understand if he was crippled, in a wheelchair, etc. But he seems fine except for his speech. One company told me that if you submit his medical records at no cost to the company, they would consider him.
THIS IS A FREAKIN GRADED PLAN! PLEASE!
I get the feeling that they don't trust us agents.

 

[theinsuranceman]

As I said earlier call Joey...see post above. He can get issued guaranteed.