How Long Will a Decline Show Up on MIB?

Jul 7, 2016

  1. AOKING
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    AOKING Super Genius

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    I had a client get declined for High Globulin levels in 2010. Client eventually found out it was due to food allergies and levels are now much lower. Will I potentially have a problem getting her approved now via NON MED American Amicable? Do you think I am better off going through full underwriting with a good cover letter?

    Thanks,
    AO
     
    AOKING, Jul 7, 2016
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  2. Mattschmidt
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    Mattschmidt Guru

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    American amicable may still approve but you can bet the farm they will order medical records.

    Other non medical exam companies are a little.better with past declines if providing a detailed cover letter.

    As far as being fully underwritten that's up to you and the client to decide. Favorable lab results could result in better offers.
     
  3. somarco
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    somarco GA Medicare Expert

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    somarco, Jul 8, 2016
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  4. aclaro
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    aclaro Super Genius

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    No matter where you send it make sure you put a good cover letter with it. It's a unique situation and you want to explain that. If they're healthy fu will be better priced.
     
    aclaro, Jul 9, 2016
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  5. cwstremmel
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    cwstremmel New Member

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    Fully underwritten with a letter to Underwriter , dr's information and current test results available if possible. The decline on MIB will be on for a long time so no more non-med apps.
     
  6. Deadlily
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    Deadlily Guru

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    Am-Am should approve it, providing the client's doctor can confirm in writing that the high levels were due to food allergies. I'd ask her to get a letter and submit the application with a note advising that your client is getting a letter from her doctor. Once received I'd fax it to the underwriter.
     
    Deadlily, Jul 29, 2016
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  7. NewbieNewbie
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    NewbieNewbie Super Genius

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    Quick note. An application will show up on MIB and likely the a code for abnormal globulin levels. That said it is my understanding that any dwcision made by an underwriter whether approve or decline will not show up on an MIB.
     
  8. Mattschmidt
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    Mattschmidt Guru

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    Yes with the MIB history American amicable will order medical records. This was already discussed
     
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